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

XXXX and Experian are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score.  These line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # 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.

-15 U.S.C 1681c. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The bureaus are required to 100 % accurate with their investigations ' results but as far as the AFNI account is concerned with my credit report, the Bureaus have failed to comply with FCRA 's requirements. They failed to investigate the account properly which results in hurting the credit reports big time. Moreover, they have not submitted and signed documents or agreements that can validate their verdict. Most importantly, I have made my payments to the original creditor or furnisher. 
AFNI ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} AFNI  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00}
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by NAVY FEDERAL CREDIT UNION where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report on XX/XX/2019 from : XXXX XXXX XXXX XXXX XXXX, LA XXXX I never applied for credit with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect TransUnion and XXXX  to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX 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: Vehicle loan or lease

I had a vehicle financed with Security Credit Corp. In XX/XX/XXXX, I paid off the loan. Despite that, Security Credit is still reporting to the credit bureaus that I have an outstanding balance. And furthermore, they are reporting that my account is past due. This account has been paid off now for a couple months, and has never been delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach, and my personal information was sold and was used for in identity theft, I have tried to dispute items and all inquiries on my reports With Equifax, XXXX, XXXX,
Product: Money transfer, virtual currency, or money service

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 an 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: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Collection from XXXX XXXX from the company XXXX XXXX XXXX CO, account ending in XXXX for {$470.00}, reported on XX/XX/year>. Per XXXX the account was opened on XX/XX/year>. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Mission, XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas XXXX I have only lived in XXXX XXXX, PR and in XXXX, MA and currently XXXX, MA.
Product: Checking or savings account

I have recently became aware that an account was opened in my name with USAA Bank back in XXXX, and is being held accountable for an account i have no knowledge of. USAA has falsely accused me, calming varication through my credit profile with information that has nothing to do with me. the address they used to verify my identity was also fraudulent. please remove all accounts.
Product: Checking or savings account

*He comment my instagram post like " Congratulations!!! you among the lucky winners for {$15000.00} kindly send a dm to claim your prize. '' I texted him in dm. He start to request XXXX $ for donate children. Then XXXX $ for clearance fee. He said " We now at the final step sire Yo man what's popping your winning is finally ready with me. You only need to send {$850.00} that would be my cut from your winnings sir. Once again congratulations sir hope you do something great with your winning ''. He tried to request again " All you need to do now is to pay {$700.00} for the management cut because they are the one in charge of your winnings and without that XXXX $ they won'e release. I already spoke with them so that's what they need and everthing is cool ''. Then " You have to pay XXXX $ for acceptance fee so your winnings can be completed then we are good bro '' Then " Good you need to authorized this payment with XXXX $ because it still pending here so you will get it without no issue because of XXXX limit so wan na waive the limit so you get your money in full without no issues and we good bro once again Congrat happy for you ''. After that he still request " Here is XXXX info - XXXX. Name  - XXXX. Trasportation Reference - XXXX XXXX. Amount - XXXX $ ''. He requested anohter XXXX $ and i didn't pay him again. I realized he is scamming. I told him " If you want XXXX $ cut from my winning ''. He said " You can't cut from winning ''. I told him I will refund my money back. He said you can't refund your money during process. He said " The whole money to complete this process is XXXX $ and you already paid XXXX $ ''. He didn't tell me from the start i have to pay XXXX before getting the XXXX. He explained more and I'm not trust him anymore. After i paid first XXXX , my bank is pending to transfer him money to his number. He told me to request my friend. So, i transfer to 4 other friends and sent the money. I told him I really need money to pay my school tuition fee in XXXX. He said pay XXXX $ and I will get XXXX . 
* The total amout -- XXXX $ as a XXXX XXXX  this amount is too much for me. 
* That's is happening in XX/XX/XXXX morning and i report the bank at XX/XX/XXXX evening. The bank give me other number and they can help me my situation. At that time, all transaction is pending. Unfortunately, all chase bank has technical issues and i can't do nothing in XX/XX/XXXX. I go to the local bank talk with them. I didn't directly transfer the money to scammer. I transferred the money to my friend then transfer to scammer. It is not grantee. So, I didn't refund my money back. In XX/XX/XXXX and XX/XX/XXXX the transaction is disputed with claim number. So, i called customer call department for claim my refund. They asked me again about the scam. After answering, there is no refund for authorized money. I can't refund. I also report this situation to ic3 website.
Product: Credit card

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXXXXXX XXXX  Account Number : XXXX.
Product: Debt collection

Dates of service keep changing but insurance has the 2 reports paid in full by insurance as of XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your help.
Product: Bank account or service

Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.
Product: Debt collection

XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXXIn the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$48.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX XXXXXXXX  and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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

I was notified of an unauthorized credit inquiry from comenity bank of Ikea on my credit report. I did not authorize this nor try to open an account with comenity. I called them the day I was notified on XX/XX/2023 and confirmed that someone had used my name and SSN to try to open a credit card which prompted a hard inquiry on my credit report. After speaking with the fraud specialist at comenity on XX/XX/2023, she told me that I would receive a letter in the mail stating that I had not initiated the inquiry or tried to open a new account. I received a letter about 2 weeks later stating that comenity needed more information from me before opening a new credit card, which is not at all what I requested. I called again on XX/XX/2023 to request a new corrected letter and was put on hold for about 52 minutes without any help. I called back multiple times and was placed on hold for 10 minutes each time after which I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES , LLC I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. 
Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] 1 understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. 
As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 
1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. 
Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 
1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ]