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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the XXXX XXXX 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. 

XXXX  still shows over XXXX false/not authorized credit inquiries on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, XXXX and equifax. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the equifax data breach. 

All account information and dates are on attached document.
Product: Mortgage

In XXXX 2016, I called Wells Fargo Bank , N.A . to see if my husband and I could get pre-approved for a VA Loan. We were pre-approved and began searching for a home. On XXXX XXXX, 2016 we made an offer that was accepted on a home. We promptly uploaded all the required documentation to Wells Fargo. Then we arranged for the home inspection, pest inspection, the required survey, paid the earnest money, etc. Wells Fargo accepted payment and arranged for the appraisal. Once all inspections, appraisal, and survey as well as everything on our end was completed and we were within a couple weeks of closing, I was notified that Wells Fargo would not honor the pre-approval. I was crushed. Our past 12 months work history was cited as the reasoning. I am told by them that VA has very strict rules about work history. Wells Fargo was absolutely aware of our past work history prior to giving pre-approval. We have near perfect credit, 20+ years work history, and had a VA loan with Wells Fargo a year ago that we never missed a payment on. Because of the actions of Wells Fargo , N.A . we will suffer a loss in the amount of at least {$2500.00} at this point if this loan is not approved. That 's just the monetary loss. Most of the joy of purchasing this new home has been completely quashed by these events. Had we not been pre-approved, we would have waited to start our house search until we were in a position to be pre-approved. We would never just throw over {$2500.00} out the window. I called the VA Loan Production Department this morning and they looked at the activity for my social security number. Although Wells Fargo did pull a copy of my Certificate of Eligibility on XXXX XXXX, they never submitted any application to the VA. I spoke with them about the details of our circumstances. They stated that there are provisions in the VA Lender 's Handbook for approval in this type situation. I sent an email to the originator as well as his supervisor at Wells Fargo citing the chapters and sections of the handbook that the VA suggested they review, also noting that the Lender 's " handbook also says that it does n't deal with every possible circumstance that will arise, therefore, underwriters must apply reasonable judgment and flexibility in administering this important benefit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently filed a complaint through CFPB due  to US ban k showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  US bank to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my re port.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Product: Money transfer, virtual currency, or money service

I am filling 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 those violations.
Product: Mortgage

As a result of the pandemic, the servicer XXXX Mortgage provided a XXXX month deferment, and then transferred the account to SN Servicing at the end of the deferment period. Despite being unemployed and ill, I tried to bring the loan current. SN Servicing 's proposed loan modification required me to pay {$1200.00} per month for 5 years, up from {$790.00} per month. I declined the offer because of the high possibility of something going wrong for a house built in XXXX with maintenance requirements. As of now, I have paid more than {$4000.00} in catch up payments. A statement claimed that the investor would lock my online account because of the small payments I've been making and wants me to pay a lump sum in order to bring the account current. Prior to a personal matter I had stated I would attempt to bring the account current by XX/XX/XXXX, but a relative had to step in and make the small payments of {$660.00} and {$150.00}. I feel that SN Servicing, which handles distressed loans, has threatened me for defaulting on the loan despite paying off more than XXXX of the past due amount in less than two months. Rather than losing my home, I do not wish to feel emotionally disempowered because I am threatened with a loan I am very close to bringing current.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT Southwest Credit Systems Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEM Reported : XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX nj XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS in violation of my consumer rights, even I notified Them that I am a victim of identity theft
Product: Debt collection

FINANCIAL CREDIT NETWORK has repeatedly attempted to collect on a debt which was previously paid in full to original creditor XXXX XXXX. 

I have requested validation of their right to collect on the debt in two separate letters to FINANCIAL CREDIT NETWORK, dated XX/XX/XXXX and XX/XX/2018, request any of the following : copies of original contract, debt details, dates, address, and other identifying information. FINANCIAL CREDIT NETWORK has refused in response letters dated XX/XX/XXXX and XX/XX/2018, in violation of my rights under the fair credit reporting act and the fair debt collections practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several dispute letters to Equifax they will not do an investigation on fraudulent inquiries on my account. I have sent 3 letters and 3 phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX  : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX  : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : XXXX XXXX XXXX # XXXX This account is tied to XXXX XXXXXXXX # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by XXXX XXXX XXXX that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Around XXXX XXXX I made a payment to XXXX  for a hot water heater that they replaced at my home. The charge was {$950.00}. This balance was given to me by this company and my warranty company XXXX XXXX. A few days later they charged me {$500.00} without my permission. When I called them they said I owed this additional amount. I advised them they never told me this. They just ran my card without my knowledge or consent. I then called XXXX XXXX and they told me that the additional charge was given later by airfast. My issue is I did not given them permission. I disputed this with Discover and it was reversed for review. Discover sent me a letter saying that they were going to apply the balance back because XXXX  would reverse the charge. I spoke with Discover on XX/XX/2022 and the woman told me that was in error. I think XXXX assumed that since Im XXXX they could get over on me. Its wrong.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THESE ACCOUNTS IMMEDIATLY XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by WF CRD SVC on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Credit card or prepaid card

XXXX  XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.
Product: Credit reporting or other personal consumer reports

from XXXX late payments were made on my credit report I was not late which I did not authorized nor was i given the option to opt out. 15 usc 6802
Product: Credit reporting or other personal consumer reports

I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section XXXX ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent. 

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.
Product: Credit reporting or other personal consumer reports

I have sent XXXX, XXXX, and Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccasary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immidiatly also I have fraudlent inquries appearing on my credit report as the following goes. XXXX XXXX XXXX XX/XX/year> Remove all of the fraudlent and inaccurate data from my report you're commiting a willful FCRA violation and I am tired of you not taking me serious especially when I sent a FTC report plus the correct reports for the bankruptcy.