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

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by XXXX AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND XXXX. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by XXXX and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or XXXX. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Product: Debt collection

This matter has been ongoing with Balance Credit since XX/XX/XXXX. Now, Balance Credit has shared my personal information with the XXXX XXXX XXXX, which I did not know. Now I'm receiving threatened voicemails and emails until today XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received many calls from Ford Motor Credit Co for XXXX XXXX, who I am not, am not related to and have no knowledge of. I called the number they told me to in order to get off the list, the calls doubled. I called again yesterday, and I'm receiving more calls today.
Product: Credit reporting

I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
ACCORDING TO THE FAIR CREDIT REPORTING ACT.

15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report.

Late payments are a form of transaction and utilization is an experience created by credit usage. 
Transition is reporting late payments on accounts listed as : XXXX merger with XXXX an experience created as a late payment. This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish
a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 

I have never provided TransUnion, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. 
According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. The inaccurate reporting of these late payments and my privacy right have been violated due to TransUnion. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accounts that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law XXXX XXXX XXXX XXXX XXXXXXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. Account : XXXX XXXX Account XXXX : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX  Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX  - Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Debt collection

I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX
Product: Mortgage

I was sent back my XXXX payment saying I was over 90 days past due and in default. I sent them back the check saying this was not true and sent an accounting of my payments and when they clearded the back and the dates sent. I received it back a month later saying the same thing they would not accept my payment. I went to my credit union and got copies of front and back of my payment and sent copies to them along with a very stern letter that I was not behind more than nintey days they cashed my bank checks and did not apply to my account, They then sent me XXXX certified letters giving me 90 days to pay up. et they still would not accept my monthly payments. I copied everything and sent to their attorney and they said it was a payment dispute and sent an email to everyone involved including me. I 2 months later recieved an acknowledgement that they recieved my paperwork I sent them. I still have NOT received any info and the 90 days are ticking quickly. They say they meet requirements on phone calls and I have NEVER received any calls from them. I have kept my caller ID list for the last 4 months and they have NOT called me. They have not responded to my provided info at all. I need help to keep my house. I am a widow and my husband pased away 7 years ago and left me with over a XXXX dollars in debt I have used all of my and his IRAs to stay on top of things, went back to work full time to get some help and I have paid off everything but the house and its 2nd. I was in a car accident someone blew a red light and hit me and my patient. I was out of work for 4 months and then my patient died and I have not worked since XXXX After the first of the year I hope to find another job to help with utilities and food etc., BUT NOW I have to deal with this issue. I have been in this house for 27 years and because of them ruining everything for me I can not get another loan. I am in a pickle
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate deletion in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the unauthorized inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Mortgage

I have received several pieces of mail from XXXX XXXX XXXX XXXX XXXX requesting my condo 's master hazard insurance policy. Upon the first request, I sent the information via email on XX/XX/2023 along with their reference number on the subject line as requested in the original letter. This was sent in far ahead of the deadline stated on the original letter. The email when that information was transmitted is attached to this complaint. 

Today I received a notice that hazard insurance was placed onto my mortgage, despite me having sent evidence of hazard insurance purchased by my association. This is the XXXX  year that this happens with this company and this shows more of a pattern of predatory incompetence in order to levy additional insurance policies onto unassuming homeowners. As seen in the attachment, Click n ' close purchased a hazard policy in the amount of {$1500.00} based on their inability or unwillingness to locate the email with the existing policy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 CXXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I notified XXXX and Equifax and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX  Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX XXXX Type BankruptcyXXXX BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N N XXXX Equifax XXXX XXXX Name US BANKRUPTCY COURT Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator N
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XX/XX/2022 for inaccurately reporting my account. I asked for a complete consumer for to be mailed. Capital One just updatedmy credit report with no investigation sent. Per law 15 USC1681g I am due that process of fair credit reporting. Also the number of times late are different on equitable and transition which is also illegal. I know no investigation was done because online it says it sets FCRA requirements. Lastly they reported the account as open and ruined y credit for months and only changed it after I asked fr an investigation and complained.
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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I called this company regarding this account that I am unaware of. I am not sure what XXXX is. At that time I was advised that a copy of the lease would be mailed out however it never was. I then sent a certified letter to this asking them to provide me a copy of the lease agreement to date I have not received a response. I contacted them today and spoke to a rep who acknowledged that they received the request and I just have to wait until the original company provides the lease. She was very rude. I informed her that the 30 day time period has pass and asked for a tentative date. She refused to provide any information.
Product: Student loan

I have approximately XXXX different loans with Navient in which I requested to consolidate so that my monthly payments get distributed for all of the existing loans. They do this and then a couple of months later. The loans are no longer consolidated for equal disbursement, but rather they only pay on XXXX and have the other XXXX loans listed as payment not due until a later date ( thus making the other loans will be accruing more interest ). I have spoken to them again this week ( per chat if proof is needed ) and again asked them to consolidate all of the loans so that my monthly payments will be distributed to all of the loans. This is the third time I have caught them doing this so that more interest will accrue of the loans that they are not applying my payments to. Please add this as a list of grievances. I have spoken to other students who have Navient loans and they are experiencing the same issues. Because of their actions we will never be able to pay back the loans. Just another deceptive practice on their part. If you do n't keep an eye on your account they will pull this fast one on you.
Product: Debt collection

American Express Account # XXXX Account # XXXX While reviewing my credit report recently, I noticed you are trying to re age the date of first delinquency for the above listed accounts in my credit report by recently reporting charged off ( C/O ) in the accounts. Please be advised that a CHARGED OFF AND CLOSED ACCOUNT should not have any new payment history or new activity added to it. This is a violation. 

I demand you seize and desist from reporting C/O or any payment in my credit report thereby trying to update the date of first delinquency in a closed/ charged off accounts. 

I demand that you delete all recently added C/O in the above listed alleged account in my credit report with all 3-credit bureau immediately.

According to Fair Credit Reporting Act, all reported information in any consumer report with all 3-credit bureau must be 100 percent accurate. You have been put on notice that you are still reporting inaccurate information in my credit report after reinvestigation. 

Under the Fair Credit Reporting Act, you are in violation. 

Evidence of your reporting C/O in a charged off and closed account is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$28000.00} ;
Product: Checking or savings account

Wells Fargo closed my case and account after {$13000.00} was taken from my account and they have three different ways it was taken from my account and will not open the case I didn't authorize this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have a cash app account that was closed about 4 days ago and I have no clue why. I contacted them regarding the issue and they said I was in violation of something. they sent me a way to cash out my remaining funds but every time I try to cash it out it says cash out failed. And now when I go to cash support to ask them for help on getting my remaining {$770.00} they send me the same email over and over again saying they closed my case cause the complaint is old. which it is not.
Product: Credit card

I believe the account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WELLS FARGO CARD SER XXXX