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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Equifax in which they received it on XX/XX/2023 at XXXX pm requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
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 Transaction Act ( EFTA ) and Regulation E. These Actions have significant Inconvenience and Financial Loss, and i seek appropriate redress for the Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.
Product: Credit reporting or other personal consumer reports

Fraudulent Mortgage Account Credit Reporting Dispute with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ) Hello CFPB XXXX, I am writing to formally request assistance regarding a fraudulent mortgage account that has been reported in my name by XXXX XXXX and XXXX XXXX  ( XXXX XXXX ). I believe this account was opened fraudulently in XXXX, using information they obtain from a XXXX year fixed rate Home Equity Loan that I had with XXXX XXXX XXXX XXXX without my knowledge or authorization, and I am seeking the XXXX intervention to correct this matter. 

Details of the Complaint Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Nature of Account -Fraudulent Mortgage Loan Reporting with the XXXX Credit Bureaus XXXX XXXX This fraudulent account has appeared under different dates, and amounts, including but not limited to XXXX, XXXX, and XXXX. {$73000.00} and {$120000.00} Summary of Dispute This is a Fraudulent Mortgage Account- I did not apply for, authorize, or sign for any mortgage loan with either XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or at any time. I have never initiated, received, or approved any loan from these companies. 
Impact on My Credit Report- I was alerted by XXXX XXXX Works XX/XX/XXXX regarding a XXXX Derogatory repot and change to my credit reoprt file. This unauthorized mortgage account has appeared on my credit report negatively impacting my XXXX XXXX and financial standing. Despite my efforts to dispute and resolve this directly with the companies involved, the account remains on my report. 
Supporting Documentation : I have taken extensive measures to address this fraud, including : Filing an identity theft report with the Federal Trade Commission ( FTC ), Filing a police report with the XXXX Police Department, Assembling all supporting documents to verify my dispute and identity. 
To resolve this issue, I respectfully request that the CFPB take the following steps to assist me : XXXX XXXX the fraudulent mortgage account is removed from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX both XXXXXXXX XXXX XXXX XXXX XXXX  to stop all debt collection efforts and credit reporting associated with this fraudulent account. 
Help me with confirmation of actions -Provide me with a written statement confirming the completion of these corrective actions. 
I am including the following documents to support my case : FTC XXXX XXXX Report XXXX Police Department Report and letter sent by email and certified mail to the lender. 

This fraudulent account has caused me significant distress, and these fraudulent lenders are threatened to foreclose on my property for a mortgage loan that I am not responsible for. 
I am seeking the CFPBs assistance in correcting this serious issue as soon as possible. 
Please feel free to contact me should you need any further information. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I bought 4 tickets from XXXX XXXX on XX/XX/2020 for 2 people. Two for {$100.00} and 2 for {$120.00}. I had to cancel because of Covid19. This was done well before the departure date of XXXX XXXX.The airline would not refund but said I could use the tickets at a later date. I eventually disputed this through my credit card co. Bank of America on XXXX XXXX. I was refunded {$100.00}. I recently called them twice and was told they are still working on it and needed more time. This was 6 mo.s after the initial notification. I believe they have a limit on the time allotted to settle a dispute and I also believe that cancellation of tickets because of the pandemic is allowed. the case numbers at Bank of Am. areXXXX, XXXX XXXX XXXX. 
The ticket no.s at XXXX, XXXX, XXXX, XXXX the record locator : XXXX I believe that XXXX needs to refund my credit card ( ending in XXXX ) for the remaining 3 tickets and BOA needs to enforce that. 
XXXX XXXX ( mobile XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I have reviewed and found to contain several discrepancies that need immediate attention and correction. It is crucial that my credit report reflects only accurate and verifiable information, and I have identified items that do not meet these standards.
Product: Mortgage

1. The complaint is that after damage to our home from a hail storm in XXXX on XX/XX/XXXX Farmers Insurance ( FI ) did not cover replacement for our roof, our mid-modern home had a tar and gravel roof-after 2 years we sued FI, while claim money had gone to our bank at the time EverBank which is now XXXXIAA. Years later after settling with FI a portion of our money had gone to TIAA bank. Then due to our roofer suing us ( breach of contract ), the held money had still remained in escrow with TIAA and we still did not have a new roof. This money was held in two amounts before our roof replacement ( {$60000.00} ) and after ( {$37000.00} ) which is subject according to the Texas Insurance Code Chapter 557 to 10 % interest per year held. I sent several letters to TIAA but they had responded on May 31, 2019, demanding more home inspections for another claim from a flood incident from XXXX. We feel the money is still owed and wrote a letter to TIAA demanding payment of the interest on the funds held over a 44 month period and amounts to ( {$17000.00} ), to be verified by TIAA. We also agreed in the letter to have the floor work done to our home and comply fully to having the house inspected for the flood damage in XXXX.
Product: Credit reporting

Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ALL ARE IN VIOLATION OF 15 USC 1681 B BY FURNISHING INFORMATION THAT I DID NOT AUTHORIZE, NOR DOES THE ITEMS BELONG TO ME. THESE ITEMES WERE DUE TO IDENTITY THEFT/FRAUD AND THIS MATTER MUST BE RESOLVED ASAP BEFORE I REPORT THE COMPANIES TO THE XXXX XXXX XXXX AND MY ATTORNEY STATE GENERAL.
Product: Credit reporting or other personal consumer reports

The accused company refuses to provide me with a document of permissible purpose per 15 U.S.C. 1681b ( 2 ), as well as a Form 1099-C for a cancellation of debt to a charged off account. XXXX XXXX XXXX Bank have been purchasing my consumer report from ChexSystems ( Consumer Reporting Agency ) and knowingly as well as illegally per 15 U.S.C. 1681 ( n ) ( o ) been reporting false and inaccurate information on my credit consumer report. XXXX XXXX XXXX has never offered any manner or form of credit to be posting charged off accounts to ChexSystems. A ( CRA ) that I also did not give explicit permissible purpose to ChexSystems to furnish or sell my report, or information The IRS considers a charge off as INCOME, a 1099-C shouldve been issued to me for charging off a debit checking account. The accused bank XXXX XXXX XXXX XXXX XXXX XXXX ) have constantly been blowing me off, and constantly challenging me and my knowledge. Ive attempted and instructed XXXX XXXX XXXX Bank numerous times to provide me with proof of permissible purpose. I was told its legal documentation and it can not be provided. I was told it would take 2-3 days to obtain a copy. Quite frankly they do not have it, and still think they can fool me. XXXX XXXX XXXX Bank have claimed theyre aware and wants to assure me they comply with all applicable fair banking laws, rules, and regulations. 12 CFR Part 1022 states that XXXX XXXX XXXX Bank is a user of consumer reports and MUST obtain permissible purpose by the consumer. Reluctantly, they know and are aware of all FCRA Rules and Regulations, but refuses to comply. A blatant violation of the FCRA and Federal Laws. 

12 CFR Part of 1023 - Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX accountXXXX DATE OPENED XX/XX/year>2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.
Product: Credit card or prepaid card

I called Bank of America on XX/XX/22 and was informed that no account has been opened. I received notification of a credit inquiry without my consent.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate thisreporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$XXXX}
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE XXXX  ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE.

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION.

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( EQUIFAX, XXXX, AND XXXX ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681
Product: Debt collection

The company has called me late at night once at XXXX, they call even when I told them not too, and I have told them thats not my debt.
Product: Payday loan, title loan, personal loan, or advance loan

the amount was XXXX they lie to me about the payents and it was to much for me to handle
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX union Account # XXXX, XXXX XXXX XXXX union Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with XXXX XXXX XXXX XXXX to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with XXXX XXXX XXXX, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the XXXX XXXX XXXX customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before Experian, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the XXXX XXXX XXXX customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of XXXX XXXX XXXX at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with XXXX XXXX XXXX but I have not received the necessary attention and I also tried to solve it with Experian but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.
Product: Credit reporting or other personal consumer reports

I recently disputed an account with Transunion which they removed. The same day my credit score with Transunion went up by XXXX points my XXXX score with down by XXXX points. Both companies show one change which was my XXXX  XXXX account balance went down. I believe transunion, XXXX, and XXXX XXXX are playing games with my credit file.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.
Product: Payday loan, title loan, or personal loan

I opened a line of credit through PayPal Credit which is contracted through Synchrony Bank. The contract provides customers deferred forgivable interest meaning that if the account is paid in full prior to the deferral period expiration then all of the interest is waived. I have had repeated issues with this bank essentially making it impossible to set up a specific amount through AutoPay that would ensure that the account is automatically paid off during this period. First, I changed the AutoPay amount to a higher amount to ensure that it would be paid off, but I was told that it would not take effect prior to the next scheduled withdrawal ( even though the withdrawal had not yet happened ) because a statement had already been issued. This was annoying because many other credit servicers do not do this, but I let it go and again budgeted accordingly to attempt to ensure that the automatic drafts would pay off the account before the expiration of the deferral period. However, the situation became significantly escalated when I realized that a statement was never issued for the month of XXXX. I inquired about it to see why it never issued and was told that sometimes this happens. Then I asked on XX/XX/2021 whether the Autopay amount that I had set up would still draft, and was told that no, it would not. I have repeatedly tried to set up a specific amount that would be automatically drafted so that the account would be paid off prior to the deferral expiration. However, it seems like this company keeps using random loopholes to ensure that an early payoff will not happen. Luckily I am on top of it, but many other customers of this bank may not be. This would cause them to suddenly have a bunch of interest accrue to their account without expecting that this would happen and cause significant issues with their budgets. 

I believe what Synchrony is doing is unethical, and possibly illegal. Therefore, I am submitting this complaint so CFPB can look into this.
Product: Credit reporting

I disputed an account and requested verification of the following account that Equifax has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On XX/XX/XXXX, Equifax confirmed through dispute number XXXX that this account had been deleted. A copy of the file they provided to me electronically is attached. Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. 

XX/XX/2017, I received another dispute confirmation from Equifax showing that they have reinserted this previously disputed, unverified and deleted account into my credit file. Since Equifax states they use XXXX XXXX as the source they obtained the information, I called XXXX XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT. 

Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. Now that 's its been reinserted, they are stating the same thing again ; XXXX XXXX address and a statement saying " the account is released. '' I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : US Bankruptcy Court XXXX GA # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX agents assured me that Equifax 's " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them.
Product: Mortgage

When our home was destroyed in the XXXX XXXX XXXX on XXXX XXXX, XXXX  I reached out to Tesla Finance to see what if any help they could provide. They responded that they were providing no help including forbearance terms and to contact my insurance company. I have attempted on XXXX occasions to obtain the loan payoff amount so that I can provide this document to my insurance company and have received no response. I am therefore unable to obtain the money from my insurance company and forced to continue accruing interest on the loan with Tesla Finance.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX XXXX. XXXX XXXX