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

Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the lending club, then I have tried to dispute with the credit bureaus, if lending club truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also LENDING CLUB Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today lending club has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all lending club delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX XXXX  Partial Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed Bankruptcy on my credit report and ask Experian and XXXX to Verify the bankruptcy. They said that it was Verified .They never sent proof of the verification from the court house. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XX/XX/XXXX Docket # XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Dismissed.
Product: Credit reporting or other personal consumer reports

The company will not remove this address from my file which is not mines contacted them over a XXXX times XXXX XXXX XXXX XXXX ga say verified but if it not mines how could it be I want it removed asap
Product: Credit reporting or other personal consumer reports

I usually receive a lot of notification from XXXX XXXX and also XXXX about 43 inquiries in my credit report i already report that with them cause i didn't give my information to them so i want to remove all the inquiries.
Product: Vehicle loan or lease

We purchased a vehicle and financed in XXXX, XX/XX/XXXX, in XX/XX/XXXX we moved to XXXX. 

We contacted XXXX in XX/XX/XXXX to change the address and request the title be transferred to XXXX so we could register and get the license plates on the vehicle. We followed the instructions as required. We were asked to wait XXXX to XXXX weeks for the process to be completed. 

We followed up in XXXX weeks and we were told there was a problem with the names on the title ( spelling ) and the XXXX  dealership had been contacted to request a replacement title. 

Called back a week later, told it was resolved and XXXX title would be processed by end of week. Requested to call back if no update in a week. 

Called back, told that the title could not be processed because name was wrong on title. There was a space in the middle of my wifes middle name I called the dealership in XXXX  and they check the State of XXXX system and was told the title was perfect. 

Called XXXX back and filed a corporate complaint. Was assigned a Customer Agent. First call was great. Took all the information and promised a resolution. She called back a week later and told us the problem was both my name and my wifes name was on the title. One had to be removed. Silliest thing Ive ever heard. 

She said this would resolve the issue. Wait a week and it would be taken care of So waited a week. Now we call and leave messages ( 4 times over a week ) and no return calls. 

We need help as we are soon not going to be able to drive the vehicle as its registration will be expired.
Product: Credit reporting or other personal consumer reports

I needed everything removed from my credit reports.i was a victim of XXXX XXXX for 4 years.All this stuff on my reports is not me or to be true.I need my reports cleared of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fi Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam Ima writing to formally complain about well Fargo XXXX XXXX XXXX XXXX XXXX XXXX refusal to grant me access to my safe deposit box since XXXXXXXX XXXX.Despite having paid the rental fee for that year, with the next payment due on XXXX XXXX, I have been dined access without any explanation. 
This matter is urgent importance as I have become homeless and need to retrieve my fathers will from the safe deposit box. My father passed away on XXXX XXXX, and contains crucial instructions regarding his burial. 
I have attempted to resolve this issue directly with well Fargo, but my efforts have been unsuccessful. Am requesting your assistance to ensure that I gain access to my safe deposit box immediately. 
Sincerely, XXXX
Product: Credit card or prepaid card

My two credit cards with Capital One have been closed due to returned payments this month. They closed the two accounts even though one account has one single returned payment and I have always made my payments for both cards on time.
Product: Money transfer, virtual currency, or money service

I openend an account with Binance US to purchase XXXX ( XXXX ) When I try to withdraw my funds, they keep saying the funds are not available and are on hold for 10 days. This keeps happening. They are holding my money hostage.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear sir, I have received one large envelop which has a document prepared on XX/XX/XXXX of XXXX regarding some complaints which are supposed to be submitted to CFPB. At first, I need to express my regret to your company telling me as if I have plenty of debt to your company or a debt collector. As one in charge properly of my banking accounts, he/she should know I do not have any debt to the Bank of America or any other debt collecting company including recently closed my credit card which issued by XXXX XXXX XXXX from which I received the refund upon the closing of its credit card due to the uncomfortable and unpleasant situation. Therefore, the footnote of this letter like below is indignant : Bank of America , N.A . is required by law to inform you that this communication is from a debt collector. If you are currently in a XXXX proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose liability for a XXXX debt. Upon this disgraceful footnote, I have checked the indicated CFPB claims. I agree I submitted CFPB case XXXX regarding the leak or breach by XXXX XXXX about my saving account ; therefore, it is not debt or XXXX. Regretfully, I could not find out my CFPB account portal another CFPB case XXXX, which your company resolutions XXXX and regulatory complaints, XXXX XXXX XXXX whose call number is XXXX ( ex. XXXX ), did not exist. Since now, I am in case to settle with XXXX on identity theft, maybe, Bank of America might have the issue of identity theft ; that means your company also has the impersonate of XXXX XXXX. And this person, XXXX XXXX has the information on him/her. Therefore, I will ask the appropriate federal investigative organization to further investigation on this matter.

The contents of letter express his regret on me not to communicate with phone. Since he expressed me as if I have the debt without any proper proof, which the banker should have, I refuse to answer any calls from your company for a while. I received another call who said she was resolution XXXX. Her caller ID was XXXX. The voicemail script said her name was XXXX somebody and she asked me to call back XXXX or XXXX. I will never answer these calls. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my profound concern in regards to a few questioned accounts on my credit report. Regardless of different solicitations for an exhaustive examination concerning these errors, I presently can't seem to get any goal or remedial activity. These mistaken records are making critical harm my credit document and are seriously impeding my capacity to carry on with an ordinary existence. 

The adverse consequences of these errors have brought about enormous difficulties for me, and I'm left with no decision except for to desperately look for your help with redressing what is happening. I generously demand that an exhaustive examination be directed into the revealing of every one of these contested records. It is basic that the essential advances are taken to immediately refresh and address my credit report. 

With your assistance, I desire to reestablish the exactness and honesty of my credit document, permitting me to recover command over my monetary prosperity. I earnestly encourage you to focus on this and make a quick move. Your participation and backing in settling this issue would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting

I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding fraudulent hard inquiries listed on my credit report. I have recently reviewed my credit report from TransUnion and identified several hard inquiries that I did not authorize and are therefore fraudulent. 

These unauthorized inquiries are negatively impacting my credit score and overall financial health. Despite my efforts to resolve this issue directly with TransUnion, the inquiries remain on my report. I am concerned about the potential long-term effects of these inquiries and the difficulty in rectifying this issue through TransUnion 's usual dispute process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened complaint no. XXXX, this was submitted XX/XX/XXXX your organization closed XX/XX/XXXX due to Transunion citing they were still investigating my claim. No final response was provided within 60 days, I am XXXX and XXXX XXXX, I have cause for failing to meet feedback date and I take full responsibility for this but Transunion never resolved my allegations please open new ticket on previously cited complaint no.for evidence to my claims and please don't close my complaint until Transunion resolves my complaints your process is allowing them to not follow thru on my complaints without any accountability. Transunion cited the investigation is progress XX/XX/XXXX, no resolution. They are in violation of The Fair Act Reporting, 15, U.S.C., 1681, all inclusive.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I ask you to CORRECT and UPDATE the account stated below : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with  XXXX  a supervisor at northamerica credit today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016
Product: Mortgage

since XX/XX/XXXX XXXX I have been working with my mortgage co. Nationstar. THE AGREEMENT WAS TO LOWER OUR MONTHLY MORTGAGE PAYMENT AND LOCK IN OUR INTRESET RATE AT 4 %. We went thru the XXXX California program for the funding of {$51000.00} that was paid to Nationstar on XXXX/XXXX/XXXX to pay down my principal balance to lower my monthly payment.This process took from XXXX XXXX to XXXX XXXX I would call to get an update I was told it is pending, it is in process, I was never told that any other paperwork was needed. I called in XXXX XXXX to get an update in my new monthly mortgage payment I was given the same monthly amount before the principal reduction payment. when I told Natonstar XXXX this is NOT CORRECT I was told that I needed to request a RECAST. I told Nationstar for the last 4 months I called for updates I was told it is pending from XXXX XXXX to XXXX XXXX. I called XXXX California for their help and I was told to handle it with Nationstar.. I have tried to get in touch with the recast dept.you cant reach them by phone. I have to leave a message or have someone within the company E-Mail them, so we play phone tag. I have filed a complaint with Nationsta NO response to date.Nationstar has had me contact several different depts. that cant help so this has taken too long and they have given me a final date of XXXX/XXXX/XXXX to have the recast paperwork in. Thanks for your time hope to speak with you soon ( My work days and hours vary from day to day )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX XXXX XXXX/XXXX/XXXX 2 : XXXX XXXX XXXX XXXX/XXXX/XXXX 3 : XXXX XXXX XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX/XXXX/XXXX 5 : XXXX XXXX XXXX/XXXX/XXXX 6 : XXXX XXXX XXXX/XXXX/XXXX 7 : XXXX XXXX XXXX/XXXX/XXXX 8 : XXXX XXXX XXXX/XXXX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Credit report is missing reported debt. 

acocount information is as follows : XXXX XXXX date opened XX/XX/2019 balance {$190000.00} should be reported to Experian and is not being reflected on my credit report.
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 violate the Customer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective mesures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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, credit repair services, or other personal consumer reports

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.
Product: Debt collection

Pursuant to 15 USC Section 809 ( B ) I'm putting XXXX XXXX XXXX on notice that your claim is disputed and validation of the furnished account. XXXX XXXX XXXX has not supplied proof under the doctrine of estoppel by slience, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning XXXX XXXX XXXX  into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. In Good Faith Without Prejudice Under Duress By : XXXX XXXX XXXX
Product: Credit card or prepaid card

My dispute was for charges from a convention purchase in excess of {$130.00}, & I followed the cancellation policies for the FTCs Cooling Off Rule well within the established timeframes. I sent information to credit card companies showing that I legally cancelled the transactions per the rules & they have re-charged my credit card for the amounts & I do not even have the device I am being charged for.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. The transactions in question do not reflect my creditworthiness and may not be legally reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # 40 And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Product: Credit reporting or other personal consumer reports

My credit report is not reflecting the same information. The XXXX XXXXXXXX XXXX account is showing that the last payment update was on XX/XX/XXXX on XXXX and Trans Union is showing XX/XX/XXXX, and XXXX doesn't have a XXXXXXXX XXXX account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.