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

I've been paying my credit card for 4 years straight, I'd received 2 90days late on my credit report ( XXXX, XXXX, XXXX of XXXX & XXXX, XXXX, XX/XX/XXXX XXXX. I never missed any payments and it shows I have missed these payments.This reporting is hurting my credit score tremendously and is putting me through financial stress. I've contacted the company via phone and no action steps were taken to remove this incorrect information from my credit report. It hurts my name, it hurts me mentally and financially to know that I've been paying my card every month on time and my credit report is now damaged dramatically due to these two incorrect payment incidents. These late payments does not show my true ability to handle credit.
Product: Credit reporting or other personal consumer reports

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2019, {$1700.00}. I reached out to the company and they would not help me. Now this reporting would not allow me to get a mortgage
Product: Mortgage

i was at my XXXX XXXX for a XXXX 's conference on XX/XX/2018 when I stopped to say hello to the Tax Collector. The Tax collector informed me that my property taxes had not been paid for 2nd qtr. I stated to her that it was because I had received a letter that my mortgage had been sold to a new company and it would work it's way to you. 
The next month when I was making my mortgage payment online I decided to ask Customer service regarding my mortgage. I believe they have records of all my calls so I'm going to say this was on the 6th of the month of XXXX. They stated to me that they had made my payment. I immediately called the Tax Collector and she stated that the payment had not been made. I called back the Mortgage company and they said they would run a check with their vendor and call me or email me with the results. No one called no one email. The next month, XX/XX/XXXX, I made my payment and called the mortgage company to ask regarding the tax payment. The borough had already informed me it had not been made. They would check and return my call or email me. 
XX/XX/XXXX, The Tax collector say no and the mortgage company says yes and now my monthly payment changes again because my escrow is short. Finally after not getting off the phone I got transferred to a supervisor and they stated they would escalate the matter. I received the letter attached and waited another month with no results so I stared calling again. A supervisor called me in XXXX and stated he was handling the matter personally. I have not heard from him since.
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 consumers financial protection Act ( cfpa ). Specifically, cash app failed to take effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( efta ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX ( XXXX ), and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XXXX stimulus on three different cards that upon getting couldn't be activated
Product: Checking or savings account

Citibank has my checking account under review and is holding my funds preventing me from transferring money into my other Citibank account which is negative. It has been a week and I have made over 30 hours of phone calls with no resolution. I need my medication and groceries for my family and they will not give me access nor a reason to hold my wifes payroll direct deposit. It is unbelievable that they can do whatever they want and nobody governs their actions. My assumption is the company that the banks formed XXXX XXXX that causes this. To keep their fraudulent company alive they feed the banks inaccurate information causing red flags to go up everywhere and they are completely inaccurate and have no idea how to govern their technology or lack there of. Please assist the bank as you will side with them anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the XXXX program thanking me for applying for a XXXX program loan although I never applied for such. The letter also stated that they had received my credit score from EXPERIAN and that they were unable to verify application information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXX XXXX XXXX Account number : XXXX XXXX. 
Acount XXXX XXXX XXXX Account XXXX : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that XXXX has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXX and XXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXX XXXX XXXX  Account number : XXXX and Acount XXXX XXXX XXXX  Account XXXX : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where XXXX an was sued tor violating consumers rights under the FCRA. The case of Smith v. XXXX ( XXXX XXXX. 
XXXX ) is particularly pertinent to my situation. In this case, XXXX was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require.

Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld.

Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks
Product: Checking or savings account

I have recently closed my bank account due to fraud and somehow I have received a merchant refund which I still did not receive due to my bank account being closed and didnt receive a check in the mail for whatever credit I have received. I have recently contacted customer service before only to be told that anything that is sent to a closed bank account like a refund will be returned to sender. Other than that, I hope to have my issue resolved as soon as possible so I can at least receive my refund in some possible way like a check in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short - Equifax was hacked, and as a result my personal information is likely stolen. 
as suggested, i went to https : XXXX, and entered my personal information. the response was " Based on the information provided, we believe that your personal information may have been impacted by this incident ''. 

Equifax failed miserably at its job to protect my very personal information and as a result, i 'm not the potential target of identify theft ( assuming that did n't already happen ).
Product: Vehicle loan or lease

I had a loan through Santander Consumer USA. After about a year and a half my vehicle was repo 'd and I had no way to pay off the remainder of the balance. I was already involved in a lawsuit against Santander Consumer USA regarding them purposely giving out loans to people on terms that they knew they could not pay back. I was advised that once settled ( which it was ) I would receive a check ( I got {$480.00} ) as well as removal of the repo and account from my credit report. 

I have disputed the report now twice and twice now Santander has retaliated and reopened the report tanking my credit score by over 100 points. This is not fair, this company fraudulently was caught and now they are continuing to make my life hard instead of just moving on. They lost the $ XXXX suit and are still badgering me when I have moved on.
Product: Credit card or prepaid card

XXXX or XXXX locked me out of my credit card when they issued a new credit card so I was unable to make a payment until I received my new card, which was lost in the mail and had to be sent out a different time. This caused a negative mark on my credit which will cost me thousands of dollars in the home mortgage I am applying for, all because of a {$12.00} purchase.
Product: Student loan

I am repaying part of student loans for my daughter. I fell on hard times and had to claim bankruptcy when I asked if I could lower my monthly payments and have income driven loans I was told to do forbearance which I have had to do on several occasions because I can not pay the monthly payment they want. I have been paying what I can afford to do each month but the loan keeps going up higher and higher and they want more and more. I also believe the rate is higher than originally promised.
Product: Credit reporting or other personal consumer reports

I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.
Product: Checking or savings account

My name is XXXX XXXX. 

Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Inquiry on Credit Report I am writing to bring to your attention a fraudulent inquiry that has appeared on my credit report. I have no affiliation or knowledge of this company, nor have I authorized any credit application or inquiry with them. Below listed are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe this inquiry is a result of identity theft or fraudulent activity. As such, I kindly request your assistance in investigating and removing this unauthorized inquiry from my credit report. 
Please update my credit report accordingly and provide me with a revised copy once the fraudulent inquiry has been removed. Additionally, I request that you provide me with a written confirmation of the removal of the fraudulent inquiry from my credit report for my records. 
I would like to express my gratitude in advance for your assistance in resolving this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter.
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 to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 finish an account without writing Instructions from the consumer.

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 items of information, other than records of convictions of crimes which 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 the person knows or has reasonable cause to believe that the information is inaccurate. 

I demand the above-mentioned accounts be deleted from my consumer report.
Product: Mortgage

I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud. My information was also involved in the recent XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this issue with XXXX XXXX XXXX. I have not done service with this company since last year and canceled the account with XXXX balance. for some reason they have sent this account to Diversified Consultnts stating that I owe {$620.00}. I do not owe this amount.