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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address listed on my report, which is again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Mortgage

I have tried to make payments to PHH online. I set up autopay online. They have failed to withdraw the money from my bank account. I have been fighting with them to take my money since my mortgage was sold to them and now they are sending me late payment notices and returned item charges. PHH is incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the account to be removed due to inaccuracies. it is currently still on my report. if this account was properly investigated it would not be on my credit report. my Equifax, XXXX XXXX and XXXX should all be accurate, meanwhile this account is still, and only, on my Equifax. for this report to be accurate it would appear across all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a car loan from XXXX XXXX that has reappeared on my XXXX XXXX. I have disputed the validity of this debt, and I have not received a response from the company. I would like this removed from my XXXX XXXX immediately in lieu of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I received a Brinks Prepaid MasterCard on XX/XX/20, complete with my full name on it, sent to my home address. I never applied for this card, and don't know how the company would have gotten my name or my address. I feel this has been a huge invasion of my privacy. I feel nervous even calling the company in case this is a phishing scam.
Product: Credit reporting or other personal consumer reports

I reported identity theft and they wont remove anything from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from XXXX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called XXXX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my reports.
Product: Credit reporting or other personal consumer reports

I submitted an initial freeze on all three credit bureaus on XX/XX/XXXX. 

However, XXXX is not cooperating with my request to block these hard inquiries. I have reached out to the companies that attempted to access my credit report, but they have denied my requests. Additionally, I have been receiving mail from these companies about pre-approved credit cards. 

I have called the following companies to understand why someone is trying to access my account. I also requested that they inform the credit bureaus that I did not apply for any credit cards. Below are the companies under hard inquiries that must be removed from my XXXX Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 CCF Intermediate Holdings LLC XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
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 tal timely and effective measures to prevent a. address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. 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: Checking or savings account

I attempted to open a checking account with Truist Bank 6 months ago after coming across an online advertisement for their services. The initial online account setup process was smooth and efficient. 

After successfully opening the account online and depositing an initial sum of {$50.00} as required for the checking account, I received no indication or notification about the need to physically verify my identification at a Truist branch. My account was inexplicably frozen the next day, rendering it inaccessible for use. I never received essential items like a debit card, checkbook, full account number, or any means to access my funds. I found myself locked out of the online account, unable to manage my finances, and deposit additional funds. 

To my astonishment, I was informed that, in order to unfreeze my account, I must undertake the arduous task of physically verifying my identity at a local Truist branch. The nearest branch is situated in another state, a daunting 200 miles away from my current location. Considering the considerable distance, travel expenses, and the total lack of foresight regarding this requirement, I made a humble plea to have my account closed, as it had become evident that this experience was far from the banking convenience I had anticipated. Regrettably, my plea for account closure was met with resistance, as the bank insisted that a branch visit was mandatory before they would even entertain the idea of closing my account.

The situation took a turn for the worse when I received an alarming call from the bank today. They informed me of an overdraft of approximately {$10.00} on my account, caused by monthly fees being deducted without my knowledge or consent. This revelation was the first time I became aware of this issue since I had no access to critical account statements or related information from the bank. Shockingly, I was told that due to my account being frozen, they could not accept a payment over the phone or through any other feasible method, and they could not close my account. Instead, I was instructed, yet again, to make the 200-mile journey to a local branch in person to settle this outstanding balance. Moreover, the bank threatened to send my account information to collections, a prospect that greatly concerns me as I am actively considering the purchase of a home, and maintaining a positive financial record is crucial for this endeavor. 

This ordeal has left me deeply frustrated and perplexed, as I have never encountered such rigid and impractical procedures with other banks, many of which offer seamless online account management and resolution options. I kindly request the assistance of the CFPB in helping me resolve this problem. Your intervention would be greatly appreciated. Thank you so much for your attention and support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX  to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Product: Mortgage

Bank of America financial institution fraud..stolen my property and equity... along with my personal bank account and they were served with a IV-D Court citation and after I did presented the court decree that they also had a copy along with the Texas Attorney General Office emailed with regards my property and personal bank account they had refused to return and granted me access to my personal bank account..financial institutions Bank of America... fraud..theft literally have had been in contempt to Court order
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I haveI told Experian and XXXX to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

XXXX has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against XXXX and EXPERIAN for the violations of consumer my rights .I have alot of evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX  creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX  account # XXXX  balance : XXXX  creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : quick loan company account # XXXX balance:XXXX creditor : regional acceptance co account # XXXX balance : XXXX  creditor : XXXX XXXX  account # XXXX  balance : XXXX   creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX   XXXX  , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX   THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these 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
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and hard inquiries from my credit profile from XXXX Equifax and XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.
Product: Debt collection

On XX/XX/XXXX I received a respond to my CFPB 's complaint from " Caliber Home Loan 's team '' which evidenced that XXXX XXXX and XXXXXXXX XXXX XXXX is obviously malfunctioning. 

This letter contradicts with a previous letter sent to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX * on XX/XX/XXXX informing that Caliber became my new " Servicer '' for undisclosed to me parties. The Mailer ID for this letter was disclosed to me by USPS via my FOIA request, so its really XXXX  for XXXX XXXX and XXXX to pretend that this letter was prepared and mailed by Caliber  while I know who really prepared and mailed it, confirmed by official sources. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX  is Caliber Home Loan, as well as undated XXXX  provided to me on XX/XX/XXXX by lawyer XXXX from XXXXXXXX XXXX XXXX 

According to undated and unsigned letter from " XXXX XXXX  XXXX '' said that this " servicing transfer '' was on XX/XX/XXXX. 

According to " Caliber '' 's letter on XX/XX/XXXX, " Caliber '' became " servicer '' of my alleged " loan on .... XX/XX/XXXX, again, for undisclosed parties. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX is Caliber Home Loan. 

Its unclear to me whose payments, credits, charges and advances Caliber " processed '' while " servicing '' some " loan '' for someone who was never identified to me. 

All my money were collected from a XXXX XXXX XXXX XXXX TX and processed by XXXX XXXX XXXX XXXX ' branch XXXX for unknown to me parties It also unclear to me who " released servicing rights '' from Caliber and who transferred it to XXXX. 

XXXX want me to believe that " servicing rights '' can release themselves on its own, without any authority or human involvements. 

None of these letters are coming from XXXX, Caliber or XXXX and none of them are authorized by XXXX, Caliber or XXXX. 

Even " Loan numbers '' do not match. 

I demand disclosures who was my Creditor between XX/XX/XXXX to XX/XX/XXXX who owned account receivable for my alleged loan ; who appointed Caliber as a Servicer for my alleged loan and when and where exactly this appointment took place. 

I demand disclosures who authorized transfer of servicing from Caliber to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to Equifax, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX in The XXXX District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I asked that this dispute be re investigation by XXXX and the following violations be address Capital one violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this debt. Capital one violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. XXXX violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. On XX/XX/XXXX XXXX stated in response verified however none of the violations are address by capital one and know validate of debt provided to this consumer. XXXX stated per our phone called on XX/XX/XXXX it the consumer responsible to obtain the validation documentation from the original creditor. Capital one has failed to submit any documentation or validation this debt and XXXX has allow this original creditor violation the law. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Product: Debt collection

The following account I have been disputing for years. It does not belong to me. 
XXXX XXXX XXXX # XXXX
Product: Prepaid card

I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.
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, Ieaving my account vulnerable and unprotected, Furthermore, their dispute resolution proces 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

This is my 9th 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

Multiple call have been coming from XXXX. They don't have my name but ask me to confirm my address on XXXX XXXX in XXXX, XXXX. I own two apartment buildings on that street.  They will not reveal any of my information, or the purpose or intent of the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a account without my written instructions.