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

Dear Sir/Madam, I am writing to bring to your attention an error that appears on my Equifax credit report, which is negatively impacting my credit score. The accounts in question are account # XXXX XXXX XXXX XXXX, which is listed as XXXX XXXX XXXX and account # XXXX, which is listed as XXXX XXXX XXXX ( XXXX XXXX  ). I am not responsible for these accounts due to my divorce from XXXX XXXX. 

After a thorough review of my credit report, I have determined that these accounts are not mine, and I believe they should be removed to accurately reflect my credit history. I have attached relevant documentation, including a copy of my divorce decree, which demonstrates the dissolution of my financial ties to my ex-spouse. 

I have attempted to get this rectified with Equifax and the creditors without any results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent several requests to have my previous and current address added to my credit report, but they will not list all my addresses. My addresses are as listed XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Also, the list of Inquiries are not mine nor have I allowed anyone to use my name they are Not a matter of Fact and must be removed but they have not done so. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. Transunion, XXXX, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation  on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple accounts from companies I do not recognize, and I have not authorized any of these accounts.
Product: Checking or savings account

On XX/XX/year> a check was issued to me by XXXX XXXX XXXX. A few months later I cashed that check at Bank of America. I believe on XX/XX/year>. Weeks after cashing the check ( check number XXXX for XXXX ) Bank of America, without contacting me, informing me or asking my permission, reclaimed those issued funds from my savings account. When I noticed that this had occurred, I called Bank of America amd inquired as to why they recouped that money out of my savings account. They responded by telling me that XXXX XXXX XXXXXXXX had not released the funds and that I would have to call them and ask them why. I called XXXXXXXX XXXX XXXXXXXX and they informed me that they did in fact release the funds to Bank of America and it was their error. When I informed Bank of America what XXXX XXXX XXXX stated, Bank of America informed me that the errir is on XXXX XXXX XXXXXXXX. Over the course of the next few months both companies exasperatingly requested that I go back and forth between them requesting documentation. None of which was ever issued to me by either company even after both companies told me they would mail me said documentation. Every communication that I had with Bank of America was in person at a branch. Every time I called Bank of America, either no one answered or they told me I had to go into a local branch. XXXXXXXX XXXX XXXXXXXX gave me the run around every time I called. In essence I had XXXX stolen from me. 

Documentation Requested I requested documentation from both XXXX XXXX XXXXXXXX and Bank of America. I requested from XXXX a statement that the money was paid out to BoA. I requested from Bank of America documentation that the funds were not released from XXXX XXXX XXXXXXXX. Both financial institutions stated that they would mail me documentation. Neither did. I also requested transacation numbers. Those were not provided either over the phone or through the mail as I requested. 

This situation has caused me much, XXXX, mental anguish and frustration. It has also placed me under greater financial burden because I wanted to use those finds to pay down debt ehich has no accumalated more interest beacsuse I have not had that money. 

The fact that neither company would help me, nor would they communicate with each other directly, even at my request, is disgusting. Instead, they both denied responsibility and placed the burden on me to continuously go back and forth between them all the while achieving no result, as if it were their intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance-
Product: Debt collection

Paypal combed through my account and found the last person that I sent money to ( an old friend. Then, they called him and left a message about my account. There are no words to describe my embarrassment. I am very upset about this and I would like to know if there is any recourse that I can take. Any assistance would be greatly appreciated. Paypal would call me so many times each day. I had to add them to my block list, because I do n't have the money right now. My hours have been cut at work. I barely have enough for the mortgage and car payment each month. After blocking Paypal from calling me, they decided to fish through my account for information on my friends. This is absolutely outrageous. I do n't want people knowing about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Mortgage has documents that are forged or Robo Siging as well as signatures placed over my signature on other documents. 

Documents have been sent out to document companies to verify the the singing as well as to other issues to documents There are several issues at hand. Wells Fargo Mortgage does not want to comply for what is said or the direct issues at hand to this issue as to other issues that they want to act as if there is nothing to the issue but there is fraud and I have had documents look at as well as signatures. 

I 'm filing an Identity theft on the Notary For Wells Fargo Mortgage as to why she sign my name and as to why she lied and said on the document I personally appeared before her in which I did not nor sign any document. 

I have filed a police report on the Notary/Agent Identity Theft and will have her prosecuted in the courts for Identity theft. 

I have given Wells Fargo Mortgage enough time with playing there games in which I had some file on the Notary/Agent acting on Wells Fargo Mortgage. 

Some one will talk once there arrested as a notary/agent for Identity theft. 

All Wells Fargo wants to do is play games and act as if they have done nothing or not acting in fraud.
Product: Mortgage

RE ; NATIONSTAR Mortgage - Loan # XXXX Hello, I 'm reaching out to you because it is now over 7 months since I requested help from Nationstar Mortgage to sell my under a Home Affordable Foreclosure Alternative in order for me and my family to avoid foreclosure. 

Now after we provided all the documents, buyers offer and appraisal requested by nationstar. Nationstar is refusing to work with the buyer that offer the max amount requested by Nationstar Mortgage. 

I called Nationstar Mortgage and spoke to XXXX XXXX and she told my realtor because one of her family members is interested on my home. XXXX will not review the offer of the buyer who has been waiting on the short sale approval for over 6 months. But instead she will forward my property to a website where called XXXX OR XXXX where they will conduct an auction. 

I feel this is not a fair review, the buyer who has been waiting for his offer to be accepted, which the buyer agreed to pay for the maximum amount requested by Nationstar Mortgage. it seems like they are discriminating the buyers. 


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

This is in regards to a Late Payment Dispute for XXXX XXXX  XXXX Credit Card. My credit report shows a 30 day past due payment on XX/XX/XXXX for this account. Per my Statement attachment, this is incorrect. A payment was due on XX/XX/XXXX and made on XX/XX/XXXX. There was an interruption in the auto-pay which is why there was a few day delay in payment ( not 30 days ) and why the late charge was refunded. 

I also called XXXX customer service on the week of XX/XX/XXXX and confirmed this with a customer service representative as well as an escalations manager. There is no 30 day late payment in their system, all payments are shown as on time.
Product: Credit reporting or other personal consumer reports

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, OnXX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had these inquiries removed from XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all of these were not authorized and therefore had to be removed. Now, Equifax didn't remove any and said they were are factual. Equifax, I believe didn't do any kind of an investigation, If so, they would have seen that these accounts had already been removed by XXXX. To add to that, XXXX been removed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on my credit report it has Syncb/ppextr National Credit Card/Airlines. So I called the bank and they told me that then can not find any info under my name or SS # and that they can do anything with it. So I have called all 3 credit report companies and they tell me I need a letter from that bank stating that they dont have any info under my name. And I am done talking the the credit report companies and the bank because none of them can help me. So can you please help me get this off my report. date it happened XX/XX/2017. I have read on line that other people have gotten this on there credit report too. I just want it removed from my credit. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice a fraudulent hard inquiry, I called Experian right away and placed a fraud alert and ask them to remove the inquiry for my credit report. They help me with the fraud alert but they haven't remove the fraudulent hard inquiry. Please help me removed this fraudulent hard inquiry from my credit report. XXXX XXXX XX/XX/ 2018 2018
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Transunion these XXXX accounts listed below have been reported inaccurately needs to be removed immediately from the credit profile. along with the XXXX inquiries listed below as well. 
These patterns of misconduct MUST STOP Transunion has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter. 

The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of records, this has also been confirmed in previous CFPB complaints time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by Transunion and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Transunion i would like all XXXX accounts listed above removed immediately, a swift resolution to this matter within 10 business days preferably no later that XX/XX/XXXX. 
my life and credit has been severely impacted by this matter. not to mention the data breach posted on XX/XX/XXXX, these items have been cleared on other credit profiles but Transunion refuse to cooperate. 




XXXX XXXX XXXX {$0.00} {$0.00} Dispute XXXX XXXX  XXXX {$6600.00} - - -No Data Dispute XXXX XXXX XXXX {$3700.00} - - -No Data Dispute XXXX XXXX XXXX XXXX XXXX {$12000.00} - XXXX -No Data Dispute XXXX XXXX  XXXX {$0.00} {$0.00} Dispute XXXX XXXX XXXX XXXX {$0.00} - XXXX -No Data Dispute XXXX XXXX XXXX XXXX XXXX {$1100.00} - - -No Data all inquires listed below as well TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX XXXX ) XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 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 the violations
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 XXXX as they did not compry with or re on r uirements 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 am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap one, XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up 2/3 everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer.