23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the accounts I have mentioned in this report do not belong to me
Product: Credit reporting or other personal consumer reports

I disputed a collection name XXXX XXXX XXXX on my credit report with Transunion on XX/XX/year> file number XXXX today is XX/XX/year> which is more then 30 days that should result to a immediate deletion. This violation is XXXX dollars and will take further action.
Product: Debt collection

I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.
Product: Payday loan, title loan, or personal loan

I was approved online for a loan through  OneMain Financial  for {$12000.00}  XXXX  unsecured ) or {$15000.00}  (  secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with  XXXX  employees who contacted me about the loan  XXXX   XXXX  and  XXXX  at bank phone  XXXX  ). I was told the financial institution did not make equipment loans, but that I could refinance  XXXX  of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).
Product: Credit card or prepaid card

On XX/XX/2022, I purchased XXXX tickets with my XXXX Bank of America credit card. On XX/XX/XXXX. 2022, due to trains cancelation my tickets were refunded by XXXX back to my BOA credit card. On XX/XX/2022 XXXX transferred their BOA credit card to XXXX credit card. So my refund went to a closed account at BOA. To this day I have not received my refund. 
XXXX said that BOA accepted the refund and they can not give me a refund and that I have to contact BOA. I tried many times but BOA said that they never accepted the refund from the merchant ( XXXX XXXX Bank if America refuses to investigate my claim and since I am no longer their customer they hang up the phone. 
I have a claim with XXXX # XXXX and also a claim to XXXX, # XXXX. 
To this date XXXX  have not received a refund from BOA since they took over the BOA credit card and my refund of {$420.00} is in limbo somewhere.
Product: Credit card

On XX/XX/XXXX myself and XXXX of us went to XXXX XXXX. My friend was harassed, and it verbally attacked by one of the associates. I brought it to the attention of the manager and we did switch service people. Came back again and made comments about my friend. I reached out to the manager again and said just put everything in a bag and were gon na leave because my friend felt embarrassed and refused to come back inside at no point did he do anything to warrant treatment. I reached out to XXXX on XX/XX/XXXX left a voicemail no response. I reached out to XXXX twice today on XX/XX/XXXX. I did hear from someone today and they said theyre going to just look into it, I contacted Discover card and I asked him to dispute the transaction due to the bad service. I spoke with a very rude representative XXXX, who refused to do anything in an extra her manager XXXX, who refused to do anything I want to file a complaint against Discover card for failure to honored a fair credit, reporting act under disputes and not providing service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). GM FINANCIAL then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont reconized these unauthorize, unreconized inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX They have NO PERMISSIBLE PURPOSE!! no consumer Written signed consent. We have no open accounts attached to this fraudulent inquiry and a formal demand that these companies immediately remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : I will advise you anything less than a deletion will result in implicating a federal violation committed by denying a consumer demand civil liability 15usc 1681 ( n ) B for knowing noncompliance. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Equifax has violated my privacy and incorrectly handled my credit report and credit/personal information. The gross negligence in handling this private data allowed a breach where my information has been stolen and can now be used by criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter over a month ago and received inaccurate and incomplete results. I asked for the accounts listed in my dispute letter to be verified with an original consumer contract with my signature on it. I received the results from Experian 's investigation, but I never received an original consumer contract with my signature on it for none of the listed accounts. These accounts were clearly inaccurately verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report for the amount of XXXX. I disputed this item and also sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX has not responding and XXXX XXXX XXXX keeps reporting this item on my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these XXXX entries being reported on my credit report.
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint after complaint ID XXXX, submitted on XX/XX/year>, which has already been closed. In that complaint I had twice requested Equifax to place a 7-year extended fraud alert on my credit report, due to identity theft. Both times Equifax failed to apply the extended fraud alert. I just completed all steps provided by Equifax to submit yet a third request, and again they have failed to implement the extended fraud alert on my credit report. See attached letter from Equifax, dated XX/XX/year>. 

I followed up with them and provided all additional information requested, including a new copy of the [ already submitted ] police report AND the FTC Identity Theft Report. I also included a copy of my ID, a W2 with my SSN, and the completed Fraud Alert Request Form. Despite having sent all of this documentation a third time, they are STILL refusing to place an extended alert on my report. 

I'm beginning to think they are messing with me at this point. When last I spoke to them, I was told that they had everything they needed, but they decided there was a problem with the police report I submitted. They stated that the police department had redacted my home address from the " Person Listings '' portion of the report ( for security purposes ). Nowhere was this requirement mentioned in Equifax 's documentation about extended fraud alert requirements. There is also the fact that my home address appeared elsewhere on the report. 

In XX/XX/year> I resubmitted all documentation a third time, including the police report with my address under Person Listings, and also the FTC Identity Theft Report. According to their phone support, this would be adequate for issuing the extended fraud alert -- yet they failed to issue the report AGAIN after sending this documentation. 

I have attached the additional documentation I sent Equifax to this complaint in XX/XX/year>. For security reasons I have not included a copy of my ID, W2, or Fraud Alert Request Form, though they were included in the paper packet I sent to Equifax in XXXX. 

WHY DOES THIS CONTINUE TO BE A PROBLEM? THIS PROCESS HAS TAKEN OVER A YEAR AND A HALF AND THEY STILL FAIL TO APPLY THE EXTENDED FRAUD ALERT. HOW IS EQUIFAX BENEFITTING FROM FAILING TO APPLY THIS ALERT TO MY CREDIT REPORT? 

My sense is that having fewer credit reports with extended fraud alerts benefits Equifax financially. This creates a potential conflict of interest, since they are in a position to decide whether or not to place the extended fraud alert, while potentially having a financially-based motivation to reject extended fraud alert requests.
Product: Mortgage

The mortgage company has done an " annual '' escrow analysis of my account, which covers the period of XX/XX/XXXX thru XX/XX/XXXX. Annual is 12 months, not the 7 months they are claiming to be an annual analysis. As a result they have raised my monthly payment substantially.

In 5 months, I will have contributed an additional {$890.00}, which would lower the amount of my payment significantly. What would stop them from doing an analysis every time they pay out money? Maybe I want to pay in additional funds over the next 5 months to keep my payment low?

They also call me, and then ask me to provide them information to verify who I am. I don't need to verify who I am to someone who calls me. How do I know the person who called is really from the mortgage company? I have gotten a spoofed called from my own cell phone number. If they can spoof my number they can spoof anyone 's number.

This company is awful. It is sad for those of us who have low interest mortgages to have to suffer with an awful mortgage company, or be forced to refinance at a much higher rate in order to get good customer service. Their ratings are low all over the internet for a reason, and its not because they offer good loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I became aware that my personal information was used to take out a {$1800.00} loan with One Main Financial. Within the course of several days after that I did what they asked and provided a signed notarized affidavit, police report, and my Driver 's license. I took further steps and froze my credit and put a fraud alert on my account. A couple of months pass by and I received a call from the XXXX XXXX at the local branch saying that the fraud department deemed the account as not fraud and they were going to collect. I was of course amazed and wondered how they came out to that conclusion. I contacted the fraud department and they said they sent a letter ( that I have yet to receive ). They said that if I want any further information that I have to issue a subpoena. They refuse to disclose their findings and ask that if I want them to reopen the investigation that I need to submit more information that will help them further investigate, but I already sent them everything that they told me to send and without my file I am unable to present contradictory evidence. On XX/XX/2022 I sent them a certified letter explaining my position. On XXXX I get a call from the local branch trying to collect and I reiterated that I reported the account as fraud. The representative ask that I send a copy of my bank statement. On XXXX I send a copy of my bank statement to the local branch. I also send the same bank statement to the fraud department to reopen the investigation. In the course of this they also wanted me to send an updated police report naming the suspect which I was not able to obtain because the police department will not release an unredacted police report to me only to an attorney or a police official. I tried to explain this to the company, but they said that they will not work with the police that is something they don't do and unfortunately they need an unredacted police report. Today on XX/XX/2022 only 1 day after me providing my bank statement and letting them know that I was not able to obtain an unredacted police report they said they closed the investigation and found no fraud and were going to collect the money owed. The account is also still being reported as late payments and reflecting on my credit report.
Product: Credit card

After comparing credit cards on a consumer finance site ( XXXX ), I selected a Chase Slate credit card that offers 0 % interest on balance transfers for the first year or so. I have a Chase Amazon card but we are selling our house right now and the card balance has been increasing while we wait to find a buyer for our home. I wanted to transfer the balance to Chase Slate to take advantage of the tools. I applied online and Chase pulled my credit. I was not provided an online result and the site indicated I would receive a letter. I 've never received anything. I still do n't know what happened. I suspect Chase does not want me to transfer my balance from one Chase card to another because they are currently making interest on my balance. However, I did not find any limitations on applying assuming you can qualify. I have no idea what happened and have not provided any documentation. That was well over a month ago. We 're just waiting and waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan are up to date for the past 11 months and credit reports shows 90 day past so and affixing my FICA score and ability to refinance the loans
Product: Credit reporting or other personal consumer reports

The Company reported this account as a charge off on my credit report. The company is committing tax fraud by keeping this account on my consumer report when the debt has been cancelled. According to 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in " consumer reports ''. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I May presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15USC 1681eb Compliance Procedures maximum possible accuracy. According to 15USC 1681a ( 2 ) ( b ) says the consumer report does not include authorizations or approvals of specific extensions of credit. I also read that inaccurate account that is furnishing on my credit account as debt is cancelled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 60 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 60 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX informed me my payment would NOT be late, yet put a mark on my credit report ( dropping my score XXXX points! ) that it was 30 days late. I have been calling XXXX everyday, and no one is helping me or taking any accountability for the rep who misinformed me on the phone when I asked for an extension. I was told if I paid by XX/XX/XXXX, my account would be fine. I paid on XX/XX/XXXX. There is absolutely no reason anything should be late, and I need the XXXX late payment removed immediately from my credit report.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reporting me as late.
Product: Money transfer, virtual currency, or money service

I am finally complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices that violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable an unprotected. Furthermore their dispute resolution process was unfair and deceptive, they did not comply what's error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions caused significant financial losses and inconvenience and I seek appropriate compensation!
Product: Credit reporting or other personal consumer reports

SOMEONE APPLIED FOR A CREDIT CARD UNER MY NAME AND I GOT SEVERAL EMAILS FROM CREDIT ACCOUNTS. I DID NOT APPLY FOR THIS CARD IT WAS QUICKSILVER XXXX  ONE. 
NOW ITS ON MY CREDIT REPORT AS A HARD INQUIRY. I NEED THIS TAKEN OFF I AM GOING TO APPLY FOR A MORGAGE SOON, AND THIS HURTS MY CREDIT SCORE, THIS HAPPENED XXXX  XXXX, XXXX AT XXXXXXXX XXXX