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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX JXXXXDispute XXXX XXXX USADispute TEXAS XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXXDispute filed ftc violations o
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

I have my student loans through navient, they never mentioned to me about the income driven repayment plan, they only kept assisting me to have a forbearance.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I did not authorize, possibly due to fraud or identity theft. I request the removal of these fraudulent entries.
Product: Debt collection

XXXX has continued to report to collections an account opened over 7 years ago that was opened under false pretences. Most recently upon request to dispute ( 10 + attempts previously ) they have reported this as a newer account opened in 2019. This account was opened fraudulently by a family member but no legal action was taken on my part. They continue to reopen and deny all previous disputes.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent my dispute out for account XXXX XXXX XXXX requesting they update this account because Experian was reporting 30 days late, XXXX was reporting 30 days late and XXXX was reporting on time in XX/XX/year>. On XX/XX/XXXX, I had got a notice that my account was updated with no change. On XX/XX/XXXX I sent out a dispute stating I wanted a reinvestigation and today the account was updated once again totally ignoring the violation but moving the late payment to XX/XX/year>, what are they even doing? I just got an updated account from XXXX as well the Late pays are totally different now. I am asking for a method of verification showing whom Experian talked to ( other than the creditor ), show me evidence of an independent investigation, i want documentation of everything. The FCRA grants me as the consumer that right. I am attaching the original letter with certified mail receipt, I am also attaching supporting docs of the inaccuracies plus I am also sending over docs of the most recent credit report between XXXX and Experian and XXXX report so that you can see the undeniable differences between what is supposed to be the same account. Experian is dropping the ball here. Note XXXX is not even reporting it now.
Product: Checking or savings account

On XX/XX/XXXX, I was charged by XXXX XXXX {$120.00} for the recurring payment of the a phone line that I havee already cancelled over them months ago, I demanded it to e cancelled the same day and requested a refund. That day they said that they escalated the concern to a tier 2 agent to cancel my account and even talked to supervisor that they would process the refund within 24 to 48 hours. 48 hours, I received an email from them that they cant refund me. I tried calling them back but they were then saying they couldnt cancel the subscription and they couldnt refund. So I filed a claim over to Wells Fargo and informed them about the situation. Right off the bat, they denied my claim right away. They did not even help the situation. I would like to open a case now to have this reopened and at least for once, I wanted Wells Fargo to communicate with the merchant because I lost my energy calling back and forth without any assistance from both! I did everything to have this timely addressed but both merchant and the bank delayed the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes regarding fraudulent information on my credit report and they refuse to remove it. The credit companys say we use a third party and receive information from them but never send me anything so I can address the third party. These accounts are not mine and I have requested several times for them to be removed and they take two days and always say the information comes back verified and I know its a lie because the accounts are not mine! 
Account XXXXXXXX XXXX XXXX is not mine XXXX XXXX XXXX
Product: Credit reporting

The bankruptcy is support to be taken off within 10 years. Why is it still showing?
Product: Credit reporting, credit repair services, or other personal consumer reports

please please please can yall make these bureaus obey the law. when XXXX   had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) CXXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded the following letters sent to trans union. the XXXX was on XXXX XXXX the XXXX was on XX/XX/2022. I sent the 2nd letter because there was no response to the 1st.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, XXXX, and Equifax, that this inquiry due to Violation of 15 USC 1681b Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX 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 Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 Equifax XXXX XXXX - XX/XX/XXXX Equifax 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 XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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
Product: Credit reporting or other personal consumer reports

This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my XXXX and XXXX reports, as well as the reemergence of a concerning account within my Equifax report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
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 violates 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I got scammed out of XXXX dollars on cash app and they were not willing to help recover my funds
Product: Mortgage

I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) 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. 

These inaccuracie are stopping me from getting a house for my family and car for kids.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes .

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

We bought a condo on XX/XX/2016 through a Conventional loan 5 % down with PMI for XXXX total value and loan amount {$130000.00}. and were making payment since we took the loan to get rid of PMI. We talked to our Servicer ( Round Point Mortgage ) and their customer service told us if we are below XXXX  we can get rid of pmi. 

Once we reach below this number I contacted customer service to get rid of PMI and I was directed to their website and fill the form and submit it. I did that and few weeks later I heard back from them that they would need to do the appraisal inorder to determine the current value of the property which would cost {$600.00} something and I have to bear that cost. I refused because it didn't make any sense. And put more money down and brought my loan to value to 75 % which is {$100000.00} and submitted the request again and still got the same response from their department saying they would still need to appraisal. 

Even though I met all the conditions - Never late payment. LTV under 75 %. They still want the appraisal to be done and charge me {$600.00} for no reason. If I read my closing disclosures I can see that I should be cancelled based on LTV if my account is current which actually is. 

I feel round point is not acting according to law by imposing these extra restrictions to get rid of the PMI/
Product: Debt collection

I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.
Product: Mortgage

I have been denied access to the Home Loan Modification Status iportal for borrowers My Documents tab since XXXX XXXX, 2016 after submitting several documents. I have repeatedly requested my access to the Bank of America created, maintained and managed borrowers iportal, but my requests have been ignored. While I am able to log in to the borrowers iportal and access every other tabs, such as the My Application Status tab, I can not gain access to the My Documents tab page. Apparently Bank of America has locked me out and intentionally denied access to this tab page within the iportal. This intentional lock out and lack of access effectively prevents me from uploading documents, checking the status of my home loan mortgage account information including, but not limited to, the current modification status and who the currently assigned single point of contact is along with their contact information. 
Unblock and unlock the My Documents tab page within the borrowers Home Loan Modification Status iportal upon receipt of this request to do so and ensure that I am not denied full access to the entire borrowers Home Loan Modification Status iportal in the future. 
BLOCK AND LOCK OUT OF THE MY DOCUMENTS TAB ON IPORTAL
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5th '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX BALANCED {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Debt collection

An item was placed on my credit report that was fraudulent. I never received any communication from this agency or business and was not aware of it until my expecting fiance and I were denied housing, due to the damage on my credit. I have retained counsel and if the item isnt removed, pending further investigation, will be moving forward with a legal process.
Product: Mortgage

The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.