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

FICO PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM XXXX XXXX WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE FICO IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my EQUIFAX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in ERROR.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and 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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

There are 4 late payments reported on my NAVY FEDERAL CREDIT UNION account from XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. This information is incorrect. These payments were all made on time.
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 m 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 validations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my XXXX, XXXX and Equifax reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, Midland credit Management have violated my rights. 

15 U.S.C 1681 Sect. 602 A states i have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

To whom it may concern As of XX/XX/XXXX I'm writing this letter to inform you that I Checked. My credit report with Equifax, XXXX and XXXX. 
And the information on each of them is not correct. Neither of them has the same information. The dates and the amounts are Wrong and I who you can help me out with this please so the can get this correct as so as possible or remove it from my report. 
Thank you faithfully If you have any questions don't fall to get in contact with me.
Product: Mortgage

I selected a mortgage provider on Bankrate.com. One of the reasons I did so was because Bankrate.com offered a {$500.00} ( giftcard ) incentive that I was to be eligible to receive upon closure of the mortgage. 

The mortagage closed in XXXX, and I applied for the incentive. I received an email on XX/XX/XXXX indicating that my request had been received and that I should receive the card within 6-10 weeks. On XX/XX/XXXX I contacted Bankrate.com customer service and inquired as to why I had yet to receive the card. 

A representative called XXXX XXXX wrote me back that ( via email ) that " my request is still in process. '' As of today ( XX/XX/XXXX ). I have not received my the card and have not been offered an explanation. 

Recently, I wrote customer sevice again and have not rceived a response or explanation. I think that Bankrate offered this incentive in bad faith, with no intention of making good on it.
Product: Checking or savings account

My bank XXXX filed the claim with Wells Fargo almost a year ago. I had to file a complaint with the CFPB and get the XXXX XXXX team involved. Your bank cashed two checks illegally, which were forged endorsements and the funds were distributed to the wrong accounts. Check XXXX for {$13000.00} and check XXXX for {$5000.00}. Your internal claim number is XXXX. You need to resolve this ASAP, since this is your mistake accepting the money into the wrong account. 

In addition to this you also accepted a check yesterday that we caught early and you cashed. At least we caught this early and was able to get the payment reversed. This is unacceptable. How can your company accept stolen checks deposited to the wrong accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019, I contacted XXXX  XXXX XXXX as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years  ago and they should have been removed from the time they were first opened. XXXX, XXXX, and Equifax must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.
Product: Mortgage

I am disgusted with how Astoria has handled my loan for months. First my loan was denied because i did not qualify for an affordable mortgage payment due to not enough income. Astoria had me re-apply and has and was promised a fair review, however this did not happened. I have provided enough proof to Astoria that my home is severely underwater. This is really stressful because i am tired off all the excuses Astoria has given in order to deny my loan modification. Recently, i was told to participate in any government modification. XXXX also mentioned the only option was to reinstate my loan or sell my home. Therefore, I am forced to file a complaint with my Attorney General XXXX XXXX. Astoria Has never reviewed my loan fairly despite participating in HAMP programs. I am struggling homeowner and i can not afford my mortgage payment. I have been trying to with you to no options. Additionally, you informed of the making home affordable modifications and now that i request help you deny me. I will give you one last opportunity to assist me. Otherwise, I will proceed with my complaint with my attorney general and provide proof of all correspondence exchanged. You make it seem like you want to help me but in realty are doing everything in your power to foreclose on my home. I hope by me writing this letter of complaint my case will be investigated with all of this injustice are done against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX TransUnion. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 120Days i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well XXXX thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes
Product: Credit card

XXXX XXXX XXXX Attachments Fri, XX/XX/2023, XXXX to claimcard Dear Sir/Madam, I am writing to you in regards to fraudulent charges that have appeared on my Wells Fargo account , which I strongly believe to be a result of identity theft. I would like to bring this matter to your attention and request a thorough investigation into the fraudulent activity associated with my account. 

On XX/XX/2023 I noticed several transactions on my account statement that I did not authorize or recognize. These charges amount It is important to note that I have always been vigilant in monitoring my account activity, and I can confidently confirm that these transactions were not made by me.

Furthermore, I have attached a conversation transcript [ or any supporting documentation ] between myself and XXXX, a credit bureau, which clearly demonstrates that my personal information was tampered with by an unknown individual. This incident not only highlights the severity of the fraudulent activity but also underscores the urgent need for a thorough investigation.

I understand the importance of maintaining the security of my account and the bank 's commitment to protecting its customers from fraudulent activities. Therefore, I kindly request that you take immediate action to rectify this matter. I would appreciate it if you could : 1. Initiate an investigation into the fraudulent charges and provide me with a detailed report of the findings.

2. Temporarily freeze the affected account to prevent any further unauthorized transactions from taking place.

3. Refund the fraudulent charges and restore my account balance to its correct amount.

4. Reinstate the necessary security measures on my account to prevent any future unauthorized access.

I assure you that I have taken all necessary steps to safeguard my personal information and have reported this incident to the appropriate authorities, such as [ local police department or relevant fraud reporting agencies ]. I am more than willing to provide any additional documentation or cooperate fully with your investigation to bring this matter to a swift resolution.

I kindly request that you provide a written confirmation of the receipt of this letter and an estimated timeline for the investigation and resolution process. Prompt action on your part is highly appreciated.

Please reach out to me at [ phone number ] or [ email address ] if you require any further information or clarification. I remain committed to cooperating with you to resolve this matter promptly.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

They are withholding my money without letting me use any of the funds. This has been over a month now and I am unable to use any of my funds which is putting me in a financial disadvantage.
Product: Credit card or prepaid card

At this point I have {$150.00} rewards on my credit card. When I tried to redeem {$100.00} for XXXX gift card by phone ( XXXX ) the operator with heavy foreign accent told me that she could not redeem but I have to call another number although it is this number indicated to redeem. When I tried to access my account on line I could not do it for no apparent reason. I was blocked access. I need to redeem {$100.00} for XXXX gift card but apparently there is no service Citi Bank provides to to do that.
Product: Credit reporting or other personal consumer reports

I want these reported accounts to be removed. 

XXXX XXXX - charged multiple times for incorrect things XXXX would not look into this.
Product: Debt collection

In the beginning of XXXX I got a notification from XXXX XXXX  saying I had a new collection put on my account for over XXXX dollars from XXXX XXXX XXXX and my credit score dropped I dont have XXXX XXXX XXXX I have us cellular but this is not the first time this has happened last year I had to put a fraud alert on XXXX because someone tried to open a credit card account and spelled my name wrong so they investigated and found it was fraud and this is the second time XXXX XXXX  XXXX has popped up because last year I had a account that was opened through XXXX XXXX XXXX last year that was opened and someone done fraud on that and they investigated and took it off my credit account I dont know where my info leaked but I have been going through this for a year and now I have placed another fraud alert on my account but I dont know why they keep using my info even through I have a fraud alert placed on my account and it keeps on effecting my credit but I wa through XXXX XXXX  for XXXX and last year we got letters stating some peoples info had leaked so my info must have because this is my third time having someone open some in my name and messing up my credit score
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear XXXX XXXX XXXX : Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - XXXX XXXX XXXX ( b ) ( XXXX ) : Failure to provide clear and conspicuous disclosure of the debt - XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : Failure to provide accurate and complete information about the debt - XXXX XXXX XXXX ( d ) : Failure to provide proper validation of the debt - XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

My money was getting took off my card for no reason I never authorized majority of the things it would be XXXX of dollars just gone that I never got back
Product: Debt collection

Sunrise Credit Services sent me a letter in the mail, saying they are trying to collect a debt. 

I owe money to XXXX XXXX in the ammount of XXXX. 

They tried to get my social security number, my credit card number and my email address.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to rebut Equifax 's response to my complaint regarding inaccuracies in the reporting of the XXXX XXXX XXXX account on my credit file. Equifax has stated, without evidence or transparency, that the account has been " updated '' and verified as accurate. However, this response is factually inaccurate, misleading, and fails to address the core issues I raised. 

1. Equifax 's Misrepresentation in This Case Equifaxs claim that it has updated this account and made modifications ( Closed Date, Scheduled Payment, Additional Information, and Account History ) is patently false. Upon reviewing my updated credit report, I have found that : The account is still being reported inaccurately, incompletely, and unfairly.

The inaccuracies I specifically disputedsuch as incomplete payment history, inconsistent delinquency and last payment dates, and erroneous credit limit reportingremain uncorrected. I have included the credit reports for evidence for claim and original compliant response from Equifax. Equifax has failed to follow its legal obligation to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681e ( b ).

2. Violations of the FCRA Equifaxs ongoing inaccurate and incomplete reporting contravenes the following provisions of the FCR

A : 15 U.S.C. 1681e ( b ) : Equifax must follow reasonable procedures to ensure maximum possible accuracy of consumer report information. Incomplete or inconsistent reporting fails to meet this standard. 15 U.S.C. 1681i : Equifax is obligated to conduct a reasonable reinvestigation of disputed information. Failure to correct or delete unverifiable information violates this requirement. 15 U.S.C. 1681c : Equifax must accurately report critical account details, such as delinquency dates and account statuses, to ensure fair and complete reporting. 3. Misrepresentation to the SEC Equifax claims in its filings with the Securities and Exchange Commission ( SEC ) that it operates in compliance with the FCRA. However,
the handling of my dispute demonstrates otherwise. Equifaxs systemic failure to adhere to FCRA standards, coupled with its false assurances in public filings, raises serious questions about its representations to regulators and shareholders.

I intend to file a formal complaint with the SEC regarding these misrepresentations and Equifaxs failure to maintain accurate and complete reporting practices.
Product: Debt collection

XXXX continues to harass me about a loan I no longer owe. After seeing this reflecting negatively on my account, I sent them a dispute. That was in XXXX. They have had well over 60 days to investigate and the law only gives them XXXX. They sent back a letter in response to my request for validation, however, there was no validation attached! Not one sheet of paper. Yet, they state in the letter that the debt is validated! Says who? Where is the proof?!? This is ridiculous! I have requested for original documents to prove my payment of this loan. There time to investigate is up. I want this erroneous account deleted from my credit file NOW!
Product: Debt or credit management

XX/XX/XXXX I signed up with Freedom Debt Solutions to consolidate and eventually eliminate my debts. Over the next couple of years I paid them a ton of money. They claimed to have settled debts on my behalf. On XX/XX/XXXX, I finished with Freedom Debt Solutions. Since then I was sued by a creditor they were supposed to have settled with. So, I emailed them to get a full accounting of how my money was spent and to see if they in fact had paid off those whom they were supposed to. I sent the email on XX/XX/XXXX and again today XX/XX/XXXX because they ignored my request. Their refusal to account for funds and the fact that creditors are now coming after me indicates they may have stolen my money.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.