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

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ) XXXX XXXX. TRANSUNION : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to XXXX this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later tXXXXan 4 business days. Ive already included this in my previous complaint # & I am including it again.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 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 card or prepaid card

On XX/XX/21 I paid {$500.00} for a XXXX XXXX XXXX. After attempting to activate the card, I was informed that Netspend refused to allow activation of my XXXX XXXX XXXX and a refund would be issued in the form of a check that would arrive in 7-10 business days. 

The check never arrived. I filed a CFPB complaint and was contacted by XXXX in the corporate office. I was told the initial check was sent to the wrong adress. He stated that a new check would be issued. A new check never arrived. 

I was later on contacted by XXXX from the corporate office. XXXX offered the option to do a XXXX pickup for {$500.00}. I was provided reference number XXXX. I attempted to pick up the funds the same day at XXXX and XXXX. Both XXXX agents informed me the XXXX transfer was configured incorrectly and unavailable for pickup. I contacted XXXX and asked her to fix the transfer so I could pick it up. She informed me that she did not know how. So, I asked that the transfer be cancelled and a check be sent. She stated that she did so. 

The check has never arrived. I have contacted XXXX over a dozen times subsequently inquiring as to the status of my check and she never answers the phone nor reply to voicemails and on the rare occasion that she does, she does not seem interested in resolving my situation and making sure I have a check in hand. 

I still have not received a refund for {$500.00}. I contacted XXXX today and they once again verified that my transfer from Netspend was cancelled. The same status is shown on the website with the reference number provided. Netspend responded to my initial CFPB complaint with false information. They stated my XXXX was picked up. That is false as noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices.which violate the customer financial protection act ( CFPA ) specifically cash app failure to take timely and effective measures to prevent and fraud on their platform leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redoes for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a serious matter regarding my credit report at TransUnion. I have recently reviewed my credit report and found several inaccuracies that are negatively affecting my credit standing and financial well-being. I have attached my dispute letter with all inaccuracies. 
I have taken the necessary steps to dispute these inaccuracies with TransUnion, but I have yet to receive a resolution to my complaints. I am now seeking your assistance in resolving this matter as soon as possible. 

I request that you investigate this issue and remove the inaccuracies from my credit report. I also request that you provide me with an explanation of how these inaccuracies ended up on my credit report and what measures TransUnion has taken to ensure that these errors do not occur in the future. 

Thank you for your time and assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my report, and this time there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Id appreciate a careful review of the documents I sent so that I can finally stop worrying about issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I pay for the services of Lexington Law " Credit Repair '' in a effort to fix my life by the amount of {$120.00} - {$140.00} in a monthly basics and keep paying my current and last payments till XXXX, XXXX. 
But to my shame, I was mislead by what I know now is a Scam. 

# # # Crimes 1st Action I demanded the letters that was sent in my name to be sent to me via email, but instead they refused. 
Which is a violation of my rights. 

Why it's illegal The file that the attorney has created and maintained on my case is actually my property. 
Therefore it's my right to obtain those letters regardless if they want to or not. 

2rd False Advertising I haven't seen any documents and letters Indicating that thay have done anything as they Advertise " Credit Repair '' 3rd Breach- the attorney breached their duty towards you by being negligent, made a mistake or did not do what they were contracted to do # # # Conclusion I paid for 9 months for " Credit Repair ''. 
but with the denial of obtaining copies of letters sent in my name, from Lexington Law, and no letters were sent beforehand and afterward that directly tied to any positive action on my credit report. Indicating they haven't send any to begin with the whole time. 
and done nothing. 

It's high amount of evidence that this is a scam.
Product: Debt collection

To Whom it may concern : I submitted three dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Wells Fargo for my verified signature and how they validated this fraudulent account and all the corresponding information. No response for the second and third round of letters. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results or response. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Dear Experian, I am writing to dispute unauthorized credit inquiries made by the following companies, which I discovered while reviewing my credit report obtained from your bureau. I have not authorized any of these inquiries into my credit report, nor have I given consent to any companies to access my personal credit information. 

Inquired Entries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), a company must have a permissible purpose and my written consent to access my credit report. These inquiries are a violation of my privacy rights and federal law.

I hereby request the following : Provide me with a copy of my signed authorization form granting permission to these companies to access my credit report.

If you can not provide proof of authorization, please immediately remove these unauthorized inquiries from my credit report.

Please provide written confirmation within five ( 5 ) business days to verify that my request has been addressed. Failure to comply with this request will leave me no choice but to pursue legal action, including seeking statutory damages, punitive damages, and recovery of reasonable attorney fees as allowed under 15 U.S.C. 1681n.

This letter serves as notice that I am serious about protecting my legal rights. If you need to contact me, please do so in writing at the address provided above or via my phone number. 

Sincerely, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX do not provide an account number. XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All three bureaus report an " Open Account '' as the account type. Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. Bureau Code : All three bureaus report " Individual Account '' as the bureau code. Account Status : XXXX reports " XXXX XXXXXXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while TransUnion and XXXX do not provide this information. Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Balance : XXXX reports a balance of " {$2000.00}, '' while TransUnion and XXXX do not provide this information. High Credit : XXXX reports a high credit of " {$2600.00}, '' while TransUnion and XXXX do not provide this information. Credit Limit : XXXX does not report a credit limit, while TransUnion and XXXX do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : XXXX reports " At least 120 days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. Two-Year Payment History : XXXX reports XXXX OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). TransUnion and XXXX do not provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax does not consider what im saying i have no relantionship at all with XXXX XXXX so investigate their inquiry and as far as XXXX is concerned i only applied twice with them so 2 inquirys is most i should have not 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inquiries listed on my consumer credit report that are in violation of 15 U.S.C 1681b. These inquiries are unknown to I the consumer and must be deleted. Consumer has put Equifax on notice of this fraud alert. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

The last payment on this credit card was XXXX XXXX. Pentagon Federal Credit Union is illegally re-aging the account to keep it on my report. Whenever I dispute it, they re-age it again, and are currently showing I made good payments until XXXX. That is completely false. The date of delinquency and the last activity are the same, XXXX XXXX. The amount past due is {$12000.00}. and the account begins with XXXX. I have not had a job since XXXX. I have been a XXXX XXXX XXXX and have XXXX income, therefore I have not made any payments.
Product: Credit reporting or other personal consumer reports

FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

Hello CFPB! We are having issues convincing our mortgage company to remove our Private Mortgage Insurance ( PMI ), and are requesting your assistance in doing so : We secured our mortgage with Roundpoint Mortgage in XX/XX/XXXX, and accepted the PMI payment attached to it with the understanding that we could apply to have it removed once the Loan to Value ratio dropped below 80 %. Once we achieved that ratio in XX/XX/XXXX, we applied to have it removed and have been unsuccessful to date. 

The purpose of this letter is to formally request that the CPFB assist us, specifically considering our payment history with Roundpoint and prior credit history ; the appreciation of the current property value from the start of our mortgage with Roundpoint, and that our ( XX/XX/XXXX ) 75.7 % loan to value is meticulously close to Roundpoint s requirement of 75 %. 

First, after consulting with our lender, agent, and various federal standards resources, we can see no indicator that either FHA, Conventional or any other loan type requires the continuation of PMI after the LTV has dropped below 78 %. 

Second, when my wife and I purchased this property, we brought a solid credit history to the application process. Separately, she and I both had enjoyed solid history as property owners, and later, as a married couple, we successfully paid off a home together. 

As a family, we are far from a risk to dodge payment on our mortgage and relieve us of that expense. Roundpoint 's records will undoubtedly show that we have remained diligent in keeping our payment history current these 30+ months. Additionally, we have poured investment into continually improving our home. We are hardly a default risk. 

We were careful to purchase, first to meet specific school district needs for our children, and second, to target a zip code whose value appreciated well. Fortunately, these past 2 years has blessed us in both regards. Our children are thriving in school and the area has appreciated well. Procedurally, we : Purchased the house @ {$400000.00} in XX/XX/XXXX. 

Updated and finished the basement, painted the entire homes interior, and made other improvements to ensure our investment retains its value. 

Followed the PMI removal appraisal process as outlined by Roundpoint, and the appraisal determined the current value {$480000.00}, a 21 % increase since the point of purchase. As information, XXXX estimate is {$510000.00}, significantly above the formal appraised value : XXXX XXXX XXXX Third, we believe that considering our payment history, our care for and the significant appreciation of the property itself, and that LTV position results in seven tenths of one percent short of Roundpoint s requirement of 75 % substantiates the removal of the PMI insurance payment. 


We would appreciate your consideration. 

Thank you, XXXX and XXXX XXXX / XXXX / XXXX
Product: Mortgage

I have tried for months to talk to someone at US Bank to work something out regarding the mortgage loan before it goes to foreclosure. After over 10 hours on the phone with US Bank personnel I am still not able to get anyone in US Bank to take ownership of the situation. The latest indication of either not wanting to deal with it or just incompetence is they sent me to an external bankruptcy lawyer regarding a US Bank mortgage. I'm going to stop making mortgage payments and the property will go into foreclosure because US Bank is too big for their customer service department to comprehend how mortgages work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on XX/XX/18 from a Sterling. I have sent letters to both Sterling and all credit bureaus that this was unauthorized and have failed to have it removed and/or verified. I do not have an account with this company and have not submitted a credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}
Product: Debt collection

I called XXXX XXXX XXXX and spoke with someone on XXXX  about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/ I get this certified letter from them about they will sue me if I dont pay it
Product: Checking or savings account

Td bank locked my account for fraud but I had no acknowledgment to due to me loosing my wallet and phone and I made a report on it already but everytime I visit the branch they tell me wait to 2days and nothing happens but its going on 3weeks and when I try to get in contact with somebody they never answer or gives me a call back
Product: Payday loan, title loan, or personal loan

While checking my Free Credit report a pop up window indicated that I should apply to XXXX.XXXX for a personal loan for as little as 6 % APR. It had pre-filled in a lot of my data from my credit report. It said by clicking on the offer, my credit would not be impacted. This was very important to me because I have pristine credit, ( FICO above 800 ). I foolishly clicked on it and was instantly pre-approved for {$20000.00} loan at 6.4 %. 
I then received instructions, on how to complete loan, which I complied with to the letter. They said they had eveything they needed. Then emailed this : " Thank you for your recent application for a personal loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. '' Perplexed ... I called. Customer Service said I can't tell you why, wait for an email..which never came. They refuse to communicate with me after that. 
Then I got an email telling me to reapply. I did and now they offer a 14 % loan. This is classic bait and switch. I requested in writing to give me a free credit report and accurate reason why I was denied credit. This is predatory lending and they damaged my credit score.