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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Debt collection

On XXXX XXXX, XXXX, I mailed a validation letter to XXXX XXXX XXXX for the debt for {$310.00} they are reporting on my file. USPS Tracking : XXXX XXXX XXXX XXXX XXXX ). 

It has been more than 45 days since they 've received the document now and I still have n't received any validation of the debt from them. I communicated with XXXX and they advised me to contact The Collections Agency, which I did, however no response.

This company has violated the Fair Credit Reporting Act and I have will pursue legal remedies if the item is n't removed from my credit report. They never updated the credit bureaus with the item being in dispute, neither did they respond to me. 

This company needs to be held accountable for their lack of compliance with the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filling 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, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an unsolicited call from a lady with Quicken Loans. While she was on the phone she ran a credit report on me after I told her not to. She also assured me that nothing she was doing would affect my credit report. Later the " Hard Inquiry '' showed up on all three credit bureau reports under " XXXX XXXX XXXX. I contacted XXXX and they told me XXXX   would have to send them a certified letter before they would remove this. I called XXXX and was told it was Quicken Loans problem not XXXX and they would have to remove it. XXXX again told me the letter would have to come from XXXX. I have tried repeatedly to reach someone at Quicken Loans about this and no one seems to have any idea who I need to talk to resolve this. I think this is very unethical that these people can just report this on your credit without some checks and verification. I every company I have ever worked for we had to have a signature on an authorization form before we pulled someones credit. I need this to be removed from all three bureaus as it was not correct.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). 

Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, the dispute resolution process has been both unfair and deceptive. Cash App has not complied with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

These failures have caused me significant inconvenience and financial loss of {$450.00} due to fraud on XX/XX/year> for account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent out a complaint in regard to this account from XXXX XXXX, I have sent them complaints and XXXX and XXXX already removed this thus I am demanding that this must be removed form My Experian Report Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EQUIFAX CREDIT REPORT SHOWS THE WRONG BALANCE FOR MY XXXX XXXX XXXX XXXX XXXX VISA ACCOUNT. I HAVE ATTACHED A COPY OF THE ACCOUNT STATEMENT SHOWING A XXXX BALANCE DATED XXXX. 
PLEASE UPDATE THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Product: Debt collection

I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.
Product: Checking or savings account

Hello I had a checking account on moneylion application and everything was fine. 

On XX/XX/XXXX, I noticed that I can't log into my account so I tried to call them ( I waited about two hours to get live person ) they told me on XX/XX/2021 someone called and claimed that he is XXXX XXXX and My account is opened by using fake identity ( I mean identity theft ) but I explained to them that I was in the middle of an auction and I was about to win it so a person tried to close all of my accounts including my Moneylion account. 
As other financial institutions had local branch I visited them in person and solved the issue. 
But for Moneylion I called them 7-8 times and finally they told me I have to send supporting docs to XXXX so I did it But unfortunately, they are not answering me anymore. 

But what was those supporting documents? 
They told me I have to send supporting docs to prove I'm the real XXXX XXXX They told me as I shared my account with my girlfriend XXXX XXXX I have to proof she is my girlfriend Now I have XXXX in my account and they don't want to reopen my account and also they don't agree to reopen my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a Capital One credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.
Product: Credit reporting

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, but the errors persist. Despite my repeated attempts to resolve this, no meaningful action has been taken to correct the discrepancies. 

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the failure to investigate disputes within the required 30-day timeframe, resulting in delays in correcting inaccurate information.

15 USC 1681e ( b ) : This challenges the accuracy requirement, as the credit bureaus failed to ensure that the information reported was as accurate as possible.

15 USC 1681c ( a ) ( 5 ) : This challenges the reporting of outdated information, which should have been removed after the legally required period, but continues to appear on my credit report. 

I am requesting that the CFPB investigate these violations and ensure the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and ensuring timely, accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Product: Debt collection

CREDENCE RESOURCE MANAGE XXXX I have no knowledge of the above account. Please delete from my credit reports.
Product: Vehicle loan or lease

Hi bought a car financed it through Exeter financial via XXXX. I later found out that XXXX has an ownership interest in Exeter and they did not even try to find me a lower interest rate. My interest rate was 28 % I was able to refinance my auto loan through upstart for 12 %. XXXX mailed a check to Exeter on XX/XX/XXXX to pay off my account. There was an overpayment of {$140.00}. I have not received the check back for the overpayment when Exeter reported to the credit bureau instead of reporting it as a paid off loan they reported it as a delinquent of {$20000.00}. I have tried on several occasions to get Exeter to get it corrected or to even respond to me. With no luck. My complaint is my credit score dropped XXXX points when they did that. I also need my overpayment check and I would like an explanation as to why Exeter and XXXX put me at a 28 % interest rate rather than a company that had lower interest rates that I qualified for
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.
Product: Money transfer, virtual currency, or money service

I have banked with PNC for over 8 years, and recently opened up a large credit line with XXXX XXXX based out of the state of Delaware. My monthly statement came in and I was told I could connect my PNC bank account to my XXXX  to make payment for my credit card balance. When I went to add my PNC account to my XXXX XXXX online payments it stated " PNC has made a change that prevents you from being able to link your accounts ''. I am very upset and wanted to file a formal complaint to see if this can be resolved.
Product: Debt collection

Radius Global Solution contacted me in regards to a debt. I have no knowledge of who this company is and why they have my private information. But the representative that called, gave me XXXX  from just answering an unidentifiable number calling my phone and feeling that because I wanted more information regarding this debt was a crime. All I wanted to do was exercise my rights in good faith, but Radius Global Solution doesn't seem trustworthy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

Midland fiance company contacted my brother and gave him my debt amount and last XXXX digits of my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

My federal student loans are being managed by Mohela. I submitted a form to them on XX/XX/22 for processing, and I needed this form for the purpose of public service loan forgiveness. On XX/XX/22, I received a message stating that the processing was delayed but I should get a response in 10 business days. As of XX/XX/22, two months after submitting the form, I have still heard nothing.

I called Mohela three separate times on XX/XX/22 to discuss this issue and to get additional info about my loans, but on each occasion I was informed that they can't take my call due to high volume. I tried to send them a secure message via their website but was unable to, because I just kept getting sent back to various links with irrelevant info. There are no other options for contacting them offered on their website. 

It is completely unacceptable that I am not able to get in touch with my loan servicer in any capacity. I have questions that need to be answered and it's literally impossible. This is a serious issue and I hope that people are providing adequate oversight for Mohela because their behavior should not be tolerated.
Product: Debt collection

Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry that appears on my credit report, which I believe is unauthorized and inaccurate.
Product: Mortgage

***On XX/XX/XXXX we closed on our home with XXXX XXXX XXXX with our closing statment/HUD having a monthly payment of XXXX ***In XXXX I received a letter that Lakeview Loanservicing had bought the loan, our first payment was due XX/XX/XXXX in the amount of XXXX and change. 

***On XX/XX/XXXX my mortgage cleared for XXXX ***on XX/XX/XXXX my mortgage cleared for XXXX ***On XX/XX/XXXX I received a letter that my mortgage was passed due on a companies letterhead I had never heard of. I called and spoke with them, was told they own Lake view and my mortgage was never XXXX is is XXXX. After an hour on the phone I was told that they found the error, it was on their end. Everything would be fixed on XX/XX/XXXX. 

***On that following Monday I was called at work and told that I was past due on my morgage. Again took approximately 30 min she found the issue, said until XX/XX/XXXX I will get daily robocalls that my mortgage is past due. I told that Can not happen as I am at work everyday. 

***The calls stopped until XX/XX/XXXX, wherein I was told that my mortgage was past due as they applied my payment to my escrow account. I asked why, she said she had no idea. Placed me on hold after 30 minutes I was disconnected and was unable to call back. 

**At this point I don't know what to do, while I have never missed a payment or paid short, they continue to harass me with a different issue each month
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXXXXXX pulled a hard copy of my credit report without my consent or knowledge. 
I reported to XXXX XXXX XXXXXXXX and transuion
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ABOUT XXXX OF 2021 I CANCELLED WITH XXXX, THEY LATER TO MY SURPRISE TOLD ME I OWED THEM MONEY, I WENT IN TO THE XXXX OREGON OFFICE AND PAID IT ( EST {$350.00} ) I LATER CAME TO FIND I AM IN COLLECTIONS I HAVE CALLED TRANSUNION, THEY SAID I WOULD NEED TO SEND A PICTURE VERIFICATION DUE TO MY LOSS OF ACCOUNT/PASSWORD ..., THEY SAID IT WOULD TAKE 4-10 DAYS TO GET BACK, IT IS 14 DAYS AS OF THIS LETTER AND I HAVE EMAILED THEM AGAIN 3 TIMES OVER THE LAST 6 DAYS WITH " XXXX '' RESPONCE
Product: Debt collection

Receiving letters from XXXX XXXX claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX  balance. I havent had an account with them in decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've used XXXX for the 3 credit bureaus since, I think, XXXX. Never any problems with hundreds of other web sites. I've used the latest version of XXXX on XXXX XXXX since XXXX. All patched and working perfectly. 

XXXX and XXXX credit reports have always been available on-line. 

Equifax was last available in early XXXX. That's right -- their web site has said the credit report is not available on-line, in so many words, in XXXX, XXXX, and now XXXX. 

They have a legal obligation to provide the credit report, and I should think that a functioning web site is part of that obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  has violated my rights : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX 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 or other personal consumer reports

I'm seeking your help to address this false account appearing on my credit report. It has negatively impacted my reputation, and I need your intervention.
Product: Credit reporting or other personal consumer reports

I was never late paying on the account that I have with XXXX XXXX XXXX XXXX XXXX XXXX Acc number : XXXX No will they send me proof of my transactions. I will like for this company to provide documentation of the late payments to my account that affected my credit score in a negative way instead of positive its a major privacy violation. If proof can not be provided I would like this issue to be removed from my credit score. I have also submitted proof that XXXX XXXX XXXX XXXX  will not provide proof of my pass transactions.