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

I am writing to formally dispute a fraudulent account on my Equifax credit opened XX/XX/year>. The account in question is identified as XXXX XXXX account ending in XXXX in the amount of {$7900.00}. I assert that this account does not belong to me and is therefore inaccurate. 

I have sent in numerous dispute letters in request for this account to be removed, which Equifax falsely states the account has been verified. The account could not have been verified due to the account being opened fraudulently, verified by the attached letter from XXXX. 

Equifax is also in violation of 15 USC 1681 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Equifax, as well as XXXX XXXX, does not have my written consent to report any information on my consumer report. I hereby revoke any and all consent to XXXX and Equifax, whether verbal, non-verbal, written, implied, or otherwise. 

I demand that this inaccuracy be removed from my credit report in accordance with the Fair Credit Reporting Act. 

Please investigate this matter and confirm the removal of the fraudulent account from my consumer report. I would appreciate a written response detailing the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX Card was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX-CP Inquired on Mar 5, 2021 The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

Experian and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate, but how is that if the Account Number, Date Opened, High Credit, Past Due, Comments and Date Last Active are DIFFERENT? This means the accounts have not been properly verified. Also, under FCRA 15 U.S.C. Section 604 ( a ) ( 2 ), my rights have been violated. I have not given anyone written permission to furnish these accounts on my credit report. The inaccurate account I have identified : 1. XXXX XXXX XXXXXXXX -- INACCURATE INFORMATION : Account Number, Date Opened, High Credit, Past Due, Comments, Date Last Active
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is my Third Time trying to get THE CFPB, to look at " THE FACT '', that EQUIFAX!! 

EQUIFAX REFUSES TO ACKNOWLEDGE THAT IT HAS TAKEN THEM WELL OVER THIRTY ( 30 ) DAYS. To respond to my Initial Disputes I've sent in, CERTIFIED, and TRACKED as well. Equifax is " CLEARLY VIOLATING MY CONSUMER RIGHT LAWS. '' I've sent in a Dispute on XX/XX/2021. They Keep giving me the Run Around. I NEED THIS SITUATION HANDLED IMMEDIATELY.
Product: Mortgage

XXXX XX/XX/2024 my wife and I needed a substantial amount of cash to fund a home repair. We chose to apply for a home equity line of credit ( XXXX ) with PNC bank because their interest rates were better than similar offerings with other groups. The PNC associates were friendly and helpful and the application process wasn't too hard... however not five minutes after finishing the application, the phone number we used on the form started getting telemarketer spam calls for similar lien/mortgage/line-of-credit products.

It's been two weeks since then and we regularly receive 20 or more solicitation calls PER DAY. The phone number is on the national do not call list, but it hasn't seemed to help. 

On XX/XX/XXXX, we registered the phone number to the national do not call registry ( donotcall.gov ), but the solicitation calls have not stopped. 

On XX/XX/XXXX, I reached out to PNC and spoke with an associate about the volume of solicitation calls and about how it started shortly after filing our application for a XXXX I was thanked for providing the information, but told there was nothing they could do. 

During the application process there was a box we had to check saying that we agreed to share our information with PNC affiliates so that the proper background checks, home evaluations, and credit checks could be performed. I don't know that the application could have been approved without us authorizing them to share the info. However what has happened crosses a line and is to the level of harassment. 

It should be said that the agreement to share information was related to verifying our credit score, evaluating the value of the home and generating an equity estimate, NOT sharing my contact information for solicitation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan

I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.
Product: Credit reporting or other personal consumer reports

In all my credit bureaus XXXX XXXX has showed late payments when they werent late. I was doing a loan consolidation and they put me as having XXXX loans and late back 2019 when it was the customer service rep fault. Anyway come till this year. I received a borrowers defense loan forgiveness and according to student .gov all negative history must be deleted. I have disputed these acct and they wont delete off my credit report. I have worked really hard not to have anything negative in my report and have good credit. XXXX XXXX took my late payments when it was from fed financial and when the goverm changed the loans all around over and over doing covid. I want my history wiped out as states by law.
Product: Mortgage

I refinanced my condo. the new loan is serviced by Midwest Loan Services. 
As was my old loan. I have never been late. Until, I paid my first payment on the new mortgage. I requested they add a homeowners insurance impound so the amount of the payment changed and I made two payments. 
I was off by XXXX cents. They were nice enough to call me right before a week- end and requested my checking account info for the XXXX cents. They said bill pay pay might not be in time. They say I gave them the wrong account info and they have a have recording, I have not heard it. IF I erred, I certainly do n't know where. I read I read the numbers directly from my check. Now they are charging me a late fee. While I 'm guessing this is legal, it 's also not right. I can not afford extra payments. I 'm a single mother of a XXXX and I have no otherfamily to turn to. 
It seems to be more than unethical, if not illegal. I tried to reason with them. 
It did n't work. I would like the late fee waived without affecting my " Once in 30 years waiver of a late fee. I 'd like to save that for retirement if I can ever afford to retire. Retirement is not likely with companies like this taking every ' single dime they can get from people just because they can. 
American Greed Run Rampant
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address. 

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.
Product: Debt collection

I received a letter dated XX/XX/2021, from National Credit Systems, XXXX XXXX XXXX, XXXX, GA XXXX, showing client XXXX XXXX XXXX , Client Account Number XXXX, NCS Account Number XXXX, and balance of {$8800.00}. I sent a letter to the company within 30 days for verification of the debt. 

As of this date XX/XX/2021, i have not received verification of this debt from National Credit Systems. This company has reported this debt to credit reporting agencies, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chapter XXXX listing that is wrong and unauthorized inquiries and one account i was not 30 days late on
Product: Credit reporting or other personal consumer reports

Accounts appeared and wasnt mines. Credit card that Ive never had is still being used and the credit card company cant find it but its on my report and late payment
Product: Mortgage

We disputed Specialized Loan Servicing 's ( SLS ) lies that we had an open and delinquent account, when we didn't. Our SLS account had already been closed and fully funded by our refinancing bank. 

However, SLS never returned our XXXX credit points to our XXXX, XXXX, and XXXX Credit Report. 

After we won our XXXX Credit Report dispute against Specialized Loan Servicing ( SLS ), we asked SLS to correct their incorrect account status on our XXXX Credit Report, and to return our XXXX credit points to our to restore our XXXX XXXX of XXXX. SLS corrected our account status. 

However, SLS never returned our XXXX credit points. We have done nothing wrong. A XXXX decrease is outrageous. This practice needs to stop. We work hard to get and keep our XXXX XXXX XXXX
Product: Checking or savings account

I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department is XXXX
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; XXXX, Equifax, and XXXX to report any negative information about me to any corporation and I do not wish to contract with XXXX, Equifax, and XXXX. I never gave XXXX, Equifax, and XXXX written consent to report anything on my consumer report. No consent equal fraud, which XXXX, Equifax, and XXXX is committing, FRAUD!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed a inquiry that didn't belong to me.
Product: Checking or savings account

XX/XX/year> someone stolen {$610.00} out of my bank account. I called my bank and dispute the charges, I provided a police report number because I also contacted the police and filed a report for fraudulent charges. The bank denied my dispute twice.
Product: Credit reporting or other personal consumer reports

A dillards charge account was opened, someone changed my email address and address on my XXXX XXXX XXXX and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in XX/XX/2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for XXXX
Product: Money transfer, virtual currency, or money service

I met this sneaker XXXX seller on XX/XX/2019. I messaged him for a price on a specific pair of shoes, and he replied with the price of {$300.00}. I told him I would pass but Ill renegotiate the next week. After that one week he messaged me asking if I wanted to buy the shoes, but I denied him again because I just finished paying my college books. Fast forward a couple months and I message him again for another specific pair of shoes. He said he had them in hand and would sell them to me for {$200.00}. I thought it was a good price so I went ahead and asked him how to pay. He told me to pay through XXXX which was a feature on my banks app. I sent him the money and he told me he would ship them the next day and that the shoes would arrive in 3-4 days. A couple days later, I asked for a tracking number, but he never responded. He stopped replying to my messages whenever I would ask him a question. Sadly, I never received the shoes, and he walked away with {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  US DEPT ED Account # XXXX, US DEPT ED 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: Bank account or service

My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an credit card through XXXX  XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and addressed fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive and they keep closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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, credit repair services, or other personal consumer reports

On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
Product: Credit reporting or other personal consumer reports

TransUnion has continued to display known fraudulent accounts on my credit report. I have uploaded the FTC Identity Theft reports to the complaints, but TransUnion still allows these accounts to be reported on my credit profile. Please remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX from my credit report, as these accounts are fraudulent. The FTC Identity Theft reports and other supporting information will attached to this complaint. TransUnion, take this matter seriously, as you are harming my livelihood.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$21.00} XXXX  XXXX  XXXX - XX/XX/XXXX {$730.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$780.00} XXXX XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion
Product: Credit card or prepaid card

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely, and accurate dispute process. The Company is also failing to acknowledge and reply to my many inquiries and correspondences on this matter. Additionally, no one has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their inadequate handling of my dispute regarding the incorrect reporting of my student loan payment history. Upon reviewing the results of their so-called investigation, it is evident that no proper investigation was completed. This lack of action has resulted in no updates or corrections being made to my credit report. My XXXX loan payment history is being reported incorrectly on my Experian credit report. This incorrect reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Despite providing substantial proof multiple times to support my claim, Experian has failed to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing XXXX   XXXX  XXXX this was opened by my ex-wife and sent to her XXXX XXXX this was not opened by and is not my debt.