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

I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your  agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.
Product: Credit card or prepaid card

First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This incident raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit card or prepaid card

zero interest agreement with Synchrony bank through Mattress Firm purchase initiated in XX/XX/XXXX first payment of {$85.00} began in XXXX. 
XXXX payment was 2 days late. Late fee charged {$30.00}. The minimum payment, due XX/XX/XXXX which is unknown until the statement closes at the end of the month, went from {$85.00} to {$110.00} without my knowledge. Made two payments in XXXX of {$100.00} and {$110.00} assuming that would take care of these fees. In XXXX, {$15.00} of the late fee was separately charged as 'late ', another {$41.00} late fee was levied and a minimum interest charge of {$2.00} was added to the balance. Minimum payment increased to XXXX on XXXX closing statement, and they started charging interest of {$2.00} and the {$15.00} late fee carried over SEPARATELY as still late. Called them about this, and they told me I had to pay the {$15.00} late fee separately to stop this from happening. I paid it immediately by phone with them. Then I asked them to remove the late fee of {$41.00} and stop the interest charges, which they did. I also asked what the new minimum payment would be after all of this, and they could not tell me. I have to wait for the statement for XXXX, which closes at the end of XXXX AFTER the payment is due. I have no idea how to get this under control and what my payment will be for XXXX. This is unfair and deceptive practice by Synchrony bank. 
To summarize, they took my extra payment of {$110.00} and paid XXXX of the {$30.00} late fee. Then they called the remaining late fee balance of {$15.00} overdue and charged another late fee the following month, and began charging interest on the loan.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX XXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that XXXX XXXX remove this from my report immediately.
Product: Vehicle loan or lease

CITIZENS BANK XXXX XXXX XXXX XXXX RI XXXX Has violated XXXX XXXX XXXX consumer rights by not notifying XXXX XXXX XXXX the consideration that was provided by CITIZEN BANK in the contract presented at Drealership. Who was the Authorized Representative Responsible for Signature and Showing liability for the contract. If there is no proof supplied under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX. XXXX I presume that no proof of alleged Debt nor therefore as such debt in fact there fore exists pursuant to 18 USC 8 owe no Debt this company is violating my Consumer Rights to Privacy Pursuant to 15 USC 1681- b2 Company has No permission to Report My Information Per 15 USC 16914. CITIZENS BANK HAS CAUSED SERIOUS HARM TO XXXX XXXX XXXX AND LEGAL ACTIONS WILL BE NEXT IF NOT RESOLVED IMMEDIATELY
Product: Checking or savings account

Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to XXXX XXXX and Equifax that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX   {$140.00} XX/XX/XXXX XXXX  XXXX  {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
Product: Credit reporting

Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was auto account on my credit that i asked Equifax to verify. Instead, Equifax removed the account out of collection and re-reported the account as 90days late payments. I never received any notification that the account belonged to me. i notified the company asking for verification and there was no response. Instead it was re-reported as late. and i have yet to receive that notoification
Product: Debt collection

GLA collections- from XXXX XXXX XXXX-have disputed and on XXXX it said it was accurate and will stay on my credit report but has been removed from XXXX  because it is, in fact, not valid. It is affecting my credit and want it corrected.
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
Product: Mortgage

Attorneys for WSFS have provided 400 BLANK page so Discovery twice- Provide the trust paperwork for XXXX XXXX XXXX XXXX it is not listed in XXXX Wilmington Savings Fund society , FSB , d/b/a Christiana Trust, not individually but as Trustee for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL WSFS-you are suing me and I want/need Discovery
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been reaching out to Experian over the past few months XXXX  the inaccurate and inconsistent information reporting on my credit report. Ive attached the letters and certified receipts as proof. Each time I sent the letter to the agency the said they updated the account but their where no changes made and the cleay reaged the XXXX which is a violation. So because I felt like they were neglecting to investigate my concern I asked for the method of verification in my letter XX/XX/2020 and NEVER receive a respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXXS Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account NumbXXXX : XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the list of below accounts had VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX  XXXX  acct # XXXX XX/XX/XXXX LIST OF RIGHTS VIOLATED : 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604 a section 2 states a consumer reporting agency can not furnish my information with my written instructions 15 u.s.c. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe it is inaccurate :
Product: Debt collection

XX/XX/23 - Crown Asset Management contacted my place of employment twice in one day at XXXX and XXXX from phone number XXXX I attempted to get information from them as to the reason for the call. The rep wouldn't provide information and proceeded to say she had to hang up the call. Why call if you can't provide information?
Product: Debt collection

On XX/XX/XXXX I received an email from capital accounts trying to collect a debt of {$340.00}. 
I responded a couple hours later requesting some very important documents that tie me to this debt. I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and me XXXX XXXX , ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX  to me XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me XXXX XXXX to XXXX XXXX XXXX, and ( 5 ) a detailed itemization of the amount that they are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 



They responded XX/XX/XXXX with what look like a computer generated statement that any one could easily create in a software. I have attached a copy of their response to this complaint for you to look at. I have also attach a copy of the initial email they sent to me and my response requesting the specific documents.
Product: Mortgage

Roundpoint mortgage makes it nearly impossible to get a human when you call their phone number. The prompts are never ending. Far more than other mortgage companies. I get the feeling their trying to avoid their customers. This is someone's home not a telephone bill and its ridiculous.
Product: Credit reporting or other personal consumer reports

U.S. Privacy Act of 1974 The Privacy Act of 1974 establishes rules for collecting, maintaining, using, and disseminating personal information by all federal agencies.

Individuals have the right to know what information is being collected, how that data is being utilized, and the ability to request corrections.

What is the 15 USC code 1681s 2?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX Years since Divorced should be deleted All address DELETE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The mail address is not recognized as an address according to XXXX XXXX XXXX. 
XX/XX/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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Approx. XXXX XXXX Credit Solutions LLC XXXX XXXX XXXX XXXX KY XXXX contacted my husband in regards to a medical bill that they are attempting to collect on. They did not ask who he was but proceeded to tell him the amount of bill owed {$4700.00}, the original creditor and asked if I had any intentions on paying my bill ... ... Actions previously taken, a separate CFPB complaint was filed against this same company by myself back in XXXX 2017 for threatening to take legal action against me and it was their first contact with me as well as called my multiple occasions on the same day after I told them that I would need to call them back. This is extremely concerning since one complaint was filed in less than a year against the same company for malicious practices and tactics to collect a dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violating 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 and resolution process was deceptive, and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.