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

I am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. It has come to my attention that despite my previous efforts, the fraudulent accounts continue to negatively impact my creditworthiness and financial standing. 

The presence of these fraudulent items not only tarnishes my credit history but also undermines my ability to access credit and financial services. As a victim of identity theft or fraud, I am entitled to prompt resolution of these issues under the Fair Credit Reporting Act ( FCRA ). 

I urge you to take immediate action to investigate these fraudulent items and remove them from my credit report without further delay. I have enclosed copies of supporting documentation, including police reports, identity theft affidavits, and any other relevant evidence, to assist you in your investigation. 

Failure to address this matter promptly may result in legal action to enforce my rights under the FCRA and seek appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$8600.00} XXXX XXXX  XXXX Balance : {$20000.00}.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me and. If not resolved, I will sue for damages.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear Experian, I am writing to dispute the presence of unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I have identified several hard inquiries that I did not authorize or recognize. These inquiries are negatively impacting my credit score and financial standing. 

List of Unauthorized Hard Inquiries : XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX MO - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX I have not provided consent for these companies or institutions to access my credit report, and I believe these inquiries are unauthorized. As a result, I am requesting that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy and integrity of my credit profile. 

I kindly ask that Experian conduct a thorough investigation into these unauthorized hard inquiries and provide me with a written explanation of the findings. Additionally, I request that Experian take the necessary steps to remove these unauthorized inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute and maintaining the accuracy of my credit information. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX.This is either against XXXX or Direct Express Debit MasterCard ... 
On XX/XX/20 there were 4- {$100.00} transactions on my Direct Express card from XXXX totalling {$400.00}. Luckily I noticed it the same day. When I called XXXX, it was like they were protecting whoever committed identity theft & fraud! They could refund {$200.00} only because the other {$200.00} had been used, sent, something & they couldnt give me the information for the persons responsible. They could confirm or deny if I somehow guessed the email! What?! I don't even have XXXX products or have an ID. I use XXXX. Long story short-contact my bank. I did have email from XXXX admitting to it. Now ... 
Direct Express made me wait over 80 days for them to issue the provisional credit due 10 days after only to take it back 2 days later! I went in the hole therefore paying it the first of the month. It was XX/XX/20 & few days before. After all of this they decided since XXXX is now claiming no responsibility, they won't give it to me either! 
I've tried to contact XXXX again with no results. Why do I have to be punished for being a victim of fraud?! Please help. I'm on SSI & I'm not able to handle out {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Accounts appearing on credit report.
Product: Credit reporting or other personal consumer reports

Experian is allowing landlords and creditors to blackmail former tenants by charging ridiculous fee 's at the end of a lease and experian won't validate these charges accurately.
Product: Mortgage

XX/XX/XXXX refinanced mortgage with XXXX XXXX {$120000.00} Ownership of the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX the loan was modified and new monthly payment amount began XX/XX/XXXX. The monthly payment amount changed ( reduced ) and the maturity date moved from XXXX to XX/XX/XXXX. 

XX/XX/XXXX ownership of the mortgage was transferred to XXXX XXXX XXXX XXXX XXXX. The lenders information is currently listed as Select Portfolio Servicing , Inc., ( SPS  ), XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX The terms of the original loan modified monthly payment amounts applied to principal and interest after a ten year period ; applying a larger amount to principal. 

Fifteen years from original loan, a greater portion of monthly payment is being applied to interest. It is mathematically impossible for the total to be paid ; as of XX/XX/XXXX The ending balance is listed as {$88000.00} ; explanation of amount due XX/XX/XXXX : Principal= {$320.00} Interest= {$360.00} Regular Monthly Payment= {$680.00} When I phoned SPS, I was told there wasnt anything they could do, they only service the loan. 

Any assistance you can provide in resolution of this matter, is greatly appreciated. 


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

Since XXXX 2016 XXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.
Product: Credit reporting or other personal consumer reports

I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a XXXX rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.
Product: Credit reporting, credit repair services, or other personal consumer reports

their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Lightstream Inquiry XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Prepaid card

In XXXX of XXXX  I received back pay from unemployment. On XX/XX/year>, I transferred {$2600.00} to an account owned by my spouse named XXXX XXXX XXXX. The transfer seems to have gone through but out of nowhere they claimed it was fraudulent and took the money and never gave it back. At the time I had made a fraud report that a few XXXX had been stolen out of my account weeks after the transfer to XXXX. I reported the {$2600.00} several times but I got letters saying it was denied. 

Also, my unemployment form 1099G stated that I received {$51000.00} for unemployment however my Bank of American transaction cardholder information sheets sis saying my balance equaled just {$30000.00}. I have called Bank of America for years and have spoken to Unemployment and they have all been not help.
Product: Mortgage

In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.
Product: Vehicle loan or lease

The first of XX/XX/2021 I purchased a new XXXX XXXX. I have perfect credit and I understand how payments/principle/interest works. I received the best interest rate from Wells Fargo Auto. I always pay extra principle on payments that have interest. I have never had an issue doing this as long as it is specifically stated in the notes section of the payment... .ex : $ 402 monthly payment ; {$150.00} extra to principle. Wells Fargo refused to apply the extra principle to my account. They said it wasn't possible until I was at least 3 months ahead on the 'regular ' payment, and at that time it would go towards principle. Therefore, even though I was paying down the principle, they were not applying it correctly and I was paying interest on money I had already paid them. After multiple phone calls and emails, lots of hours of frustration, I re-financed my loan in XX/XX/2021 through my local bank. I have contacted Wells Fargo today to ask about the class action law suit regarding these practices. They said since my car was not repossessed, I would not be qualified for this class action. I disagree. They mis-applied my payment for 4 months, even after I contacted them on the phone and in writing stating that this was unfair, unethical, and likely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting on my credit report.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/XXXX I opened a SoFi checking and savings account following a {$300.00} direct deposit promotion. I had my employer switch my direct deposit to my new SoFi account and fulfilled the terms of the promotion by depositing over {$5000.00} within 25 days. After not receiving the promotion within the timeframe advertised, I contacted SoFi on XX/XX/XXXX who informed me I did not qualify for the promotion because my employers direct deposits are not actually direct deposits but regular ACH deposits. This is incorrect. 

My employer uses XXXX, a payroll provider who pays me biweekly via direct deposit ( see attachment ). I informed SoFi of this on live chat and on the phone. Live chat was unhelpful with significant language barriers. The phone rep offered to escalate the situation for review by another department. I contacted SoFi again after not hearing anything for a week and was told they were still looking into it. Despite repeated attempts to follow-up, I have not received any updates for over two weeks. 

This is deceptive marketing. SoFi is luring new customers in with promotional offers they refuse to honor. Please find attached ( 1 ) the terms of the promotion outlined on SoFi 's website, ( 2 ) an email from my payroll provider confirming they issue direct deposit, and ( 3 ) an email from an account manager at SoFi insisting otherwise.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the following account appears on my credit report, without any authorization, it does not belong to me Identity Theft CHRYSLERCAP Account XXXX : XXXX This is not mine.
Product: Checking or savings account

My aunt passed away and I am her executor and Trustee. I notified them of her death and wish to close out the small retirement account. I have visited the bank in person three separate occasions each time they asked for additional information which I provided. I tried calling them this week on Monday, Tuesday, Wednesday, Thursday and Friday. They did return only one of my calls but I was not available. I have left several messages each day. I find it astounding that they are unable to return my calls and that there is nobody to answer my messages/calls. I have also tried their ( XXXX ) number in addition to their XXXX XXXX, IL number and nobody can help me. 

Further, there was a withdrawal/Distribution of {$450.00} we were not aware of. We need to find out what that was and who received the money.
Product: Credit card or prepaid card

Company was notified of lost card Around XX/XX/XXXX my card was lost, I made every effort to provide everything as requested and made numerous of calls and spoke to agents and answers emails regarding this lost card and provide details information as requested. 

I was ask if possible to obtain a police report regarding of lost card. 

I explained this situation happen in XXXX south america.. It was difficult due to my location. However, I tried but was not successful. 

I stay in touch and answer emails and calls on one of my last calls. 

I was advised " I don't need to worry about anything else!! '' Credit was issued new card was issued as well!! However, On around XX/XX/XXXX of XXXX. 

I was sent a email reversing everything. I call and was told that I was responsible. I ask to speak with a supervisor or businessleader the agent told me there's no body available, I wrote several times!! No one replies!! 

Upgrade, mislead me providing information about terms and conditions, hours of operation, fail to return phone calls went promise, agents have very little training on geographic or understand circumstances surrounding this situation. 

I have tried very hard to work with them ( Upgrade ) on this issue but they don't have the ability to properly assist. I asking for your organization help ( cfpb ).
Product: Credit card

Best Egg has decreed federal law totally void and unenforceable- and is fraudulently charging me {$160.00} for services never received. They fraudulently stated that they the merchant simply had no obligation to provide the services to me and as long as they said they just didnt feel like providing services. A rogue and corrupt agent then falsified written bank records saying actual evidence of misconduct against me was provided- when it never was. However, because I was simply of the inferior race, the bank determined I had no rights because white people dont lie. The bank falsified records saying they did an investigation and that actual evidence of proving any misconduct was provided- when it never was ( this is what the agent was lying about ), when no investigation was ever done, and I had no opportunity to respond or was ever contacted to answer any follow up questions.
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 Consumer Financial Protection Act. Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been dealing with this since XXXX  i have submitted docs, etc. nothing is fixed Ive seen accounts get removed just to be placed back on to my credit report which by law the credit bureau supposed to informed within 5 days which they have failed to do, also my info has been leaked and data breach, also i cam currently going through a lawsuit with XXXX XXXX XXXX on the data leak also my info was impacted by transunion data leak ive mentioned this to the credit bureau and they have failed to removed this info from my credit file. If theses accounts do not get removed I will have to begin litigation and contact my lawyer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I HAVE NO IDEA WERE THIS ACCT COME FROM )
Product: Debt collection

A medical bill collection was placed on XXXX and XXXX under XXXX different collection agencies - central financial control and syndicated office systems, neither of which contacted me via phone or mail notifying me of collection placed. I am willing to settle my debt but I do n't understand how XXXX different companies ( XXXX of which the XXXX alerted me no longer exists ) can expect me to pay to them individually from XXXX medical bill delinquency. I do not know where to go from here. 
Thank you!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian. Alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses & failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove the disputed accounts, as Experians inaction violates federal law and rights as a consumer.
Product: Debt collection

I received no letters from this RSI ENTERPRISES it wasn't until it showed up on my credit report that i was even aware of it. I've contacted the company asking for proof of ownership as well as an itemized list of the bill. They have failed to provide any information, in fact the few times I've called to fix this they just tell me that I owe the money and have no choice but to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt Transunion and XXXX  followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- -This has been reeaged Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- XXXXThis has been reeaged High Credit : Transunion {$4100.00} XXXX  {$3300.00} look at the 2 year history XXXX  is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley