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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by XXXX Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX : - XXXX/XXXX XX/XX/2018 Jewelers - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal EQUIAX : - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX   XX/XX/2018 Personal Loans Cos. 
- XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX 

XXXX  : - XXXX XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Equifax for Violating 15 U.S. Code 1681 ( FCRA ) Dear CFPB and FTC, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. I have gathered evidence that Equifax has misreported my rental payment history, which has had a detrimental impact on my ability to obtain credit and loans.

I have obtained three different credit reports from various sources : XXXX. XXXX XXXX XXXX. **Equifax 's Website** 3. XXXX* Upon reviewing these reports, it is evident that Equifax has destroyed my rental payment history on XXXX, inaccurately reflecting that I have not made any rental payments for the year 2024. This misrepresentation is not only misleading but has also resulted in the denial of credit applications and loans that I have sought. 

In contrast, the credit report from XXXX XXXX accurately reflects my rental payment history. The discrepancies between these reports indicate that Equifax has failed to adhere to the standards required by the FCRA and has caused significant harm to my financial standing. 

I request your agencies to investigate this matter thoroughly and take appropriate action against Equifax for their violations. I am prepared to provide any additional information or documentation you may require to assist in your investigation. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

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

I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX - XXXX XXXX XXXX
Product: Mortgage

Contacted my mortgage serving company, Shellpoint/newrez regarding the 30 to 59 days past due reported to the Consumer Reporting Agencies for XX/XX/XXXX and the 60 to 89 days past due reported for XX/XX/XXXX. My Covid mortgage forbearance period ended XX/XX/XXXX. Prior to that date I contacted Shellpoint to request an extension as my business was still experiencing difficulty due to Covid ( I manage a healthcare consultancy ). My initial request was denied but upon appeal an extension was granted through XXXX, XXXX and I resumed payment on my mortgage in XXXX, XXXX and am now current. I was told while my appeal for the extension was being considered my mortgage payments would not be reported as late to the CRAs, though subsequently by Shellpoint it was even though my appeal for a forbearance extension was ultimately granted. As a result of Shellpoint 's going back on their word and reporting our mortgage payments as delinquent, my credit dropped over 60 points within 24 hours of that reporting. As a result of the credit rating decline, our ability to borrow has significantly declined, as our cost to borrow has significantly increased. We has hp [ ed to refinance our mortgage both to cut down on its cost - and to find a new, more competent and ethical mortgage servicing company, but are unable to now because of negatively-impacted credit rating. It would cost Shellpoint {$0.00} to correct this error, but in a XX/XX/XXXX response to our complaint they've refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I see that the account was erroneous. XXXX and TransUnion are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zell 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times or reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I had an checking account with XXXX XXXX XXXX from XXXX to XXXX, until I decided to close the account. A payment posted XXXX or XX/XX/XXXX resolved in a negative balance of {$130.00}. I paid this balance off when It happened, at the XXXX XXXX XXXX Branch in XXXX, ky. However, XXXX XXXX XXXX erroneously reported this balance to all 3 credit report agencies. Ive been dealing with this issue for 5 years now. Ive spoken to the banking branch where I paid the balance due and couple of customer service representatives and they give the runaround. I was told they would update the credit agencies but yet it still shows as a derogatory mark. Please help me, CFPB.
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 ( 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

RE : XXXX XXXX Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax carelessly mishandled my personal information which has put me and 180 million other people at risk of identity fraud. The fact that I have never personally used any Equifax service and the fact that I was never notified of this and only found out a month later through news outlets makes me feel helpless and this situation seem unfair. Even now the amount of effort and money I have to put towards trying to secure this information and freeze my assets is somewhat absurd and should be entirely absorbed by Equifax, not placed on the consumer. Words can not describe how disappointed I am in this system and how imperative a change is.
Product: Bank account or service

I deposited a {$3000.00} check in my checking account and Wells Fargo is holding the check for 9 business days. I deposited the check at the ATM and did get a message that the funds might be held. However, I have received this message in the past but the hold has only been XXXX or two days. When I checked my account this morning, I saw the hold date of XXXX/XXXX/16!
Product: Bank account or service

I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.
Product: Debt collection

I have contacted Credit Service company by phone and certified mail at the given address of XXXX. XXXX  XXXX XXXX XXXX, CO XXXX to have the debt validate with the actual contract that I have signed obligating me to this debt with no response and they continue to report me to XXXX the legal time limit for a company to respond is 30 days and they have exceeded that time
Product: Debt collection

I was going through my credit report and came across a collection from Portfolio Recovery Associates, LLC. I have never done business with them in the past, however they are attempting to recover a {$440.00} debt from me, that I have no knowledge of. I have sent them Debt validation letters. However there response is an itemized bill in my name, that I have no knowledge of originally creating. According to UCC - Article 3 - 3-501 ( b ) 2 ( 1 ) I am entitled to demand presentation of the negotiable instrument, which is my ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. This is required to establish their right of enforcement as holder in Due Course via a chain of assignment as evidenced by the note. They have not provided any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past week, XXXX, XXXX, and Experian, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score.

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with TransUnion and XXXX stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
Product: Debt collection

This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. My current legal name is XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request that my current address be updated accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Open account XXXX if I remember. My dad retired XXXX, so he took me to his credit union Navy Federal Credit Union. I had my direct deposits going into this account XXXX. Well there was an incident where my bonus, my school stipend and my work check was deposited within days like 24 hrs within each other which brought my account to about XXXX surplus in the XXXX. Well, I noticed they would move my debit transactions around that would cause overdraft charges. I would call them to advise NFCU that wasn't the date of that transaction and the representative would tell me that's what they're suppose to do. Then upon the Pandemic with {$1200.00} tax credits, I had received which I didn't fully get the payment which offsetted my account so bad I had to pay them {$2500.00}. The account listed above had to be closed after balance was paid off. And opened a new account. This is my complaint and would like that account listed above audited and reviewed please for lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried occasions to fix my issue with Equifax several of times. I have sent multiple complaints to Equifax because they have my information mixed up so they are showing accounts that I never had report false late payments. I have sent in disputes to resolve this issue. But when they send me results back. They are sending it back with a XXXX XXXX and not XXXX XXXX which is my name. I have tried calling them and sending then tons of information and they still haven't fixed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion put a credit alert on my account preventing me from getting more credit I need as I had XXXX XXXX. They are refusing to remove the credit alert and now my cards are useless to me but I never lost my card. I had it through my entire XXXX  XXXX and no other person used it through the past six months. 
I am suffering with XXXX to XXXX myself so that I can seek employment but I do not have time to sue thm. Could you have them lift my credit alert?