23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that Experian never once informed them that their information on my CR had been reported as resulting from identity theft. 

Experian has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.
Product: Mortgage

US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many XXXX mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I received a letter from US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX from XXXX XXXX dated XX/XX/2016. The complaint # XXXX was in connection with Account/CUSIP # XXXX. The property is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX 's letter referenced another address. This complaint is in connection with Account/CUSIP XXXX and XXXX also for the same property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am seeking clarification of US Bank 's role in those accounts as specified herein and for the specified property.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV XXXX division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV XXXX told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and transunion sent me back that they completed my request and the information was updated. They already had the information that the liens were released. I needed them removed so that it wo n't hender me with employment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these acount line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Owed {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights Under Act 15 U.S.C. 1681 section and also in violation.

602 says " I have the right to Privacy. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Bank of America bank has reported to the credit companies that I have a debt or late payment or delinquency on one of my credit cards. On XX/XX/XXXX, my score dropped XXXX points and the bank 's comments are : " The following comment was removed from this account : The account information questioned by the consumer meets the requirements of the FCRA. 

The comments are intended to make your report clearer. If you are not sure why this comment was removed from your report or where it came from, you can contact your creditor or the credit office for more information. '' I have already contacted the bank issuing my credit card and what they inform me is that that credit card has been inactive since XXXX and they have not reported anything negative to the Credit Companies. Thank you for helping me with the correction of this error that is damaging my record report. Thank you very much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, TX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STATE OF TEXAS/XX/XX/XXXXXXXX Open. 
{$2100.00} XX/XX/ STATE OF TEXASXX/XX/XXXX XXXX Open. 
{$800.00} XX/XX/
Product: Prepaid card

on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX  is not up to date. 

With Equifax - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Product: Debt collection

There is an account that is unknown and I do not owe. I never received anything regarding this it just appeared on my credit file. Please help Enhanced Recovery XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted XXXX dispute letter ( EX. A ) to XXXX, XXXX and XXXX regarding factual errors on my consumer report. The factual error was as follows : Capital One Acct # XXXX has been illegally re aged, giving me XXXX different dates of last activity - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. This is the account I was addressing, however, there are XXXX accounts ( EX.B ) with the same account number, different amounts and different payment schedules. In a response letter ( EX.C ) received from Capital One dated XX/XX/XXXX, they only addressed XXXX account, the one in which I am not disputing, same account number, different start date, different amounts. Capital One had access to both accounts, since both accounts were created by them and in their system. My complaint is this, I disputed my XXXX of my accounts with Capital One for factual errors and illegally re aging the date of last activity falsifying the end date. Capital One has willfully blocked and declined me my rights to a fair, accurate and complete consumer report. By not addressing both accounts which they have access to, they are causing me time away from work, undue stress and possibly a financial opportunity in my near future. Please reinvestigate into these illegal reporting activities and delete the entire account # XXXX at the risk of me losing good payment history on XXXX of the accounts. Thank you for your assistance in this matter. Exhibits attached. I am also attaching proof of ID and proof of address.
Product: Consumer Loan

wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this time
Product: Money transfer, virtual currency, or money service

On XX/XX/20, I sent a Cash App of {$120.00}, to someone that lost their Cash App card. On the very same day, she contacted them regarding the lost card. They explained that the money would be refunded to my bank account within 5, working days. We've made several attempts at resolving this matter, requesting that the money either, be returned to my account or, the receiver. Each time Cash App advised that we did not respond in 3 days, therefore, we'd have to contact them again.Presently, I've been advised, that the money can't be canceled or refunded nor, can the receiver collect the funds because, she lost her card. So far, I'd never received a valid answer to the refunding of my money. Any assistance in this strenuously, frustrating matter would be deeply appreciated. Thanks
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic information. XXXX ( XXXX ) is a financial institution by definition under this title
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE. THE XXXX ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE XXXX DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS XXXX COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES XXXX  DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. XXXX DAYS ONLY!
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I spoke on the phone with representatives from each reporting agency and was informed action would be taken. In XXXX, I disputed many of these inaccuracies online and sent in letters and nothing was done.
Product: Debt collection

I have inaccurate information on my credit report starting with names charge offs payment history and inaccurate balances i was a victim of fraud i put a freeze on my credit report and upon checking my credit report I seen more inquiries and I submitted disputes on inaccurate information XXXX failed to remove inaccurate information
Product: Credit card or prepaid card

This is a new complaint. It stems from a prior complaint, number XXXX-XXXX. 

Its against capital one. I originally had a grievance against them. The case has been closed HOWEVER in the the response letter I have received thru CFPB Cap1 has taken the overbearing liberty of reporting my account status as DISPUTED to the bureaus. This wasnt done with my permission. I will attach the letter below. This will prejudice me.

I request Cap1 immediately cease this unauthorized action as this will further damage my FICO score which is why I initiated a dispute in the first place. Further they did not investigate properly. Again I request they do not touch my credit file by initiating a fake dispute with the bureaus. 

I have called the number listed on their response letter XXXX and the automated system just tells me theyre too busy to take my call and hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that are fraudulent and outdated. I wanted them removed so I sent out letters disputing them. It has been more than 45 days, but I did not receive any response from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} Closed 2 late payments This account does not belong to me please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX XXXX account was used to purchase merchandise in the state of XXXX but I live in XXXX The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices which violates 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 and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach AND THE 2024 data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a car loan and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXXXXXX Inquired on XX/XX/2019, KOHLS/CAPONE Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.