23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We received two packages in the mail, one each from XXXX XXXX and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I XXXX  it came back as a fraudulent : XXXX. I simply want the accounts closed. I've worked with the local XXXX, law enforcement and identity theft.gov and still the accounts are open.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

FCRA S 605B ( 15 U.S.C S 1681 c-2 ) Identity Theft Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt.

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 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had reinserted a negative item back on my credit report. They failed to notify me in within 5 business days. That is against the law. I was informed on 7 day that the negative item has been reinserted on credit report. I sent them the compliance letter on XX/XX/2021. The date that they sent me the letter was on XX/XX/2021. I just got it in the mail today which is XX/XX/2021. 

Here is the information of the negative item-US Department of Education-XXXX
Product: Vehicle loan or lease

Supreme auto in XXXX XXXX man falsely resold a car to themselves reported on my credit report as a repo and charge off I never received a 1099 of this debt being written off and its still a owed balance on my account
Product: Credit reporting or other personal consumer reports

Hello. My dispute is with BSI Financial. A late payment was posted to my credit report from this company for XX/XX/XXXX. 
BSI is the lender for my home loan. I purchased my home via mortgage assumption in XX/XX/XXXX and I set up automatic payments. My bank account was the only bank account under my loan account with BSI. However, the previous owner 's bank account was posted back to my loan account and charged for that month and the owner of that account reversed the payment resulting in a late payment which I was unaware of until I decided to check my credit score the next month and then logged into my BSI account to review the payments. 
I determined this was the previous owner 's account because I was able to view the last XXXX numbers of the unrecognized account. I called to ask XXXX what were the last XXXX numbers of the bank account used to make payments before I bought the house and the numbers matched indicating that the previous owner 's bank account was reposted to my loan account and charged for the month of XXXX. 
I informed XXXX of this and they told me to submit proof that the new bank account that was being used to make payments since the time of purchase was actually mine. I submitted a bank statement with my name and account number. This is the proof that XXXX requested to see that my account number was different than the previous owner 's. After submitting the proof XXXX requested, they did not withdraw the late payment, of which I was just informed on XX/XX/XXXX. 
Thank you for reviewing my complaint, XXXX XXXX
Product: Student loan

In addition to the issue that I named in my last complaint, Fed Loan Servicing has failed to list my most recent approved employment ( a certification form which it received on XX/XX/XXXX. ) I have attached the inaccurate qualifying payment count letter I received on XX/XX/XXXX, the letter on XX/XX/XXXX indicating receipt of my certification form, as well as a copy of the certification form ( please note the copy I attached does not have my signature but the one I mailed and that was received by Fed Loan Servicing does ).

To update my qualifying payments to the correct and accurate number of over 90, including updating my approved employment time for the job in question/ certification form from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting 90 plus days late on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please remove this line item from my credit report.
Product: Mortgage

I have received three notices about hazard insurance coverage for my home. I have maintained adequate insurance coverage for the life of my home ownership and more importantly, the duration of the loan which I entered into in XXXX  I submitted insurance coverage information when I received the loan. 

My mortgage was bought and sold multiple times. I have not once had an issue with a bank requesting additional insurance information. 

Once the loan was sold to flagstar bank, I have received multiple notices requesting insurance coverage information that the other banks already has access to. Included in the notice was a threat to automatically sell me insurance coverage that may be significantly more expensive and may not provide as much coverage as insurance that I would purchase on my own. 

I submitted the information requested using their methods and I continued to receiver these notices. The practice is predatory and confusing. I have no doubt many consumers have paid overpriced insurance that was not needed.
Product: Credit reporting or other personal consumer reports

Dear NCB, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that NCB has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for NCB to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that NCB immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. 

My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!
Product: Consumer Loan

I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.
Product: Credit card or prepaid card

I have SELF LLC. Secure credit card which is reported negativity on my credit report as past due. I only am able to assess funds that I deposit a making it a secured credit card .no Credit was giving to me this is a credit builder account which states one can canceal at anytime
Product: Credit card

Bought a vacation on XXXX ( the property was line properties ) with my XXXX Citi card totaling ( {$2700.00} ). The company charged me 3 times. Citi credited back one of the three times fully ( {$2700.00} ) and half of a credit for the other charge ( {$790.00} XX/XX/XXXX and {$1100.00} XX/XX/XXXX ), but they will not refund the remaining amount for the second charge ( XXXX ). Ive called them every single month since XXXX and they cant seem to explain to me why they cant or wont refund it but I have been trying to get a refund since XX/XX/XXXX. Every person Ive talk to says that they can see where I was overcharged and that I should get a refund and that the codes that theyre putting into their system should allow for a refund to be given, but I still have not been refunded the full credit. Ive exhausted all options and the company says they only charged us once, so I dont know if Citi just charged me that or if the company charged me that but Im not sure what else to do. They have extensive documentation of this.
Product: Mortgage

XXXX I had a mortgage with XXXX  XXXX XXXX. In XXXX XXXX  XXXX XXXX  went bankrupt. XXXX FDIC assigned, my mortgage to XXXX XXXX as the servicer and XXXX as the trustee or receiver of the funds. This was noted in the record of deed in XXXX County. Then XXXX, XXXX XXXX  sold the servicing rights to SPS servicing who also told me they wrote off the note at that time when they gave it to SPS servicing. After they sold it off I called since then and they said they had written it off and were no longer doing anything with my account. I have been paying SPS Mortgage payment even after I filed bankruptcy in XXXX. Then recently in XX/XX/XXXX I requested a short payoff and was told by SPS that I have to get that from the note holder. I then re contacted XXXX and they told me that they had written off the note and their was nothing that I owe them. I then went back to SPS and they told me to write a letter to XXXX, SPS first insisted they were note holder. I then went 3 way on XX/XX/XXXX and talked to XXXX and asked them how can I get a short pay off. Again they stressed that I owe nothing. Then SPS said I can send a letter. I sent a letter. XXXX gave me a fax number to fax it too, which was XXXX XXXX XXXX XXXX requesting a XXXX XXXX. When I checked the records of deeds office, It shows XXXX was still receiver, and XXXX XXXX. was Trustee. I then contacted XXXX again, they said again the wrote it off and said they had nothing else to do with my loan to contact SPS. Then SPS sent me a payoff letter which includes interest but XXXX wrote it off in XXXX so I wanted to know why I was still accruing interest. I was still under the impression that the lien holder was XXXX XXXX. When I contacted XXXX XXXX, they keep sending me back to XXXX. I'm still stuck trying to get my lien released. Then XX/XX/XXXX select portfolio servicing sent me this letter saying it was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX /XXXX  paid off shows a balance,  XXXX XXXX /XXXX  balance  XXXX balance should be XXXX   paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX phone Att XXXX security freeze Dept Fraud alert Dept After  explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, XXXX and experian file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw on an Experian report an address for me that is wrong ... .never lived there ... never used it Called Experian and they said they couldn't fix it but would send a copy of my credit report. This came today, It still shows an address that is wrong. never used. 
The incorrect, never used address on the report is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, WI XXXX and has been for more than ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my Written instructions XXXX agreed to remove the account due to identity theft. But Experian refuses to remove nor have they furnished documents validating the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already theXX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them lastXX/XX/XXXX and what I sent them again today XX/XX/XXXX( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX  ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report it seems there are inquiries that I did not authorized to pull out my report. Hence, I'm not even familiar with it. 

XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date o f Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit card or prepaid card

My Comenity Ulta Rewards credit card was declined on Sunday night. I was not able to log into my account due to a glitch. It was declined again on Monday. I called but was unable to reach a representative because of the office being closed. A message about routine maintenance taking longer than usual appeared online but was not there originally. As of Tuesday morning, I still can not access my account and my card is still being declined.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for their violations.
Product: Checking or savings account

In 2017 I had issues with WELLS FARGO where they SUDDENLY stop accepting my payroll checks through ATMs and opening lines of credit without my permission and charging unnecessary bank fees, just ou of control. THEN the fan hit publicly about their practices. THEY REPORTED NEGATIVE INFO ON ME TO IN XXXX AND IT IS NOW CAUDING ME PROBLEMS IN OPENING FURE ACCOUNTS WITH OTHER BANKING ENTITIES. THEY OWE ME MONEY WAY THEY WAS ROBBING ME IN FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Transunion is showing 2 items on credit report as being opened with a monthly payment. It is reporting wrong. I wrote them and called them and creditor several times and they just will not fix it in a course of the last 60 days. The creditor us saying it's the credit bureaus fault that it's not showing correctly. The creditor even provided me with proof of a letter to transunion and transunion is yet to pick it up from the post office. It's in regards to two accounts from XXXX XXXX XXXX account # XXXX. Account was closed and charged off XXXX and XXXX XXXX XXXX account # XXXX was charged off on XXXX. It clearly is against the law and it's affecting my ability to obtain a home loan. Please help us to have it fixed as soon as possible. We are in a crisis situation and need it fixed fast. We do not want to be without a home to live in. Covid has affected us tremendously and getting a home would help us. Please fix the errors. We most certainly would like the debt deleted off our credit because it's in violation of the law. We most certainly would like it to reflect the truth of it being closed and monthly payment at zero and as a charge off. Thank you. This is affecting my health also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}