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

I'm victim of Identity Theft, and I've asked Experian, XXXX and XXXX to freeze my account from XXXX XXXX XXXX which they have not all done. I've provided all three documentation pertaining to this and they refuse to take any action. I can not do this on my own and I need help urgently!!!
Product: Checking or savings account

The repetitive of incidents that keep happening with this company is a high risk that it puts client 's information at risk. On XX/XX/year>, I went to First Interstate Bank in XXXX, XXXX XXXX XXXX XXXX XXXX location. The purpose of the visit was to make a deposit of {$300.00} into my checking account I sent my gov state ID & ATM card to the teller. The {$300.00} was deposited into a different account that belonged to a different customer I am unsure how that happened considering I gave the teller my ID & ATM/Debit card. It is concerning how this company is allowing their staff handle these situations. As I was finishing fixing the error with the branch manager another staff member felt the need to inform me that I can go to another branch since these issues I keep having with this location.
Product: Debt collection

I have and account thats shows its in collection on my credit report that is already in repayment through a debt relief program that the credit bureau will not remove from my credit report and it is damaging my credit score. I disputed it with another credit agency and it was removed. XXXX removed it but XXXX XXXX will not.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with all 3 major credit reporting companies regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked them to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Please remove these unauthorized inquiries from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove inquiries thank you. I attached my XXXX XXXX report.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed wrong addresses on my credit report several time and Transunion, XXXX, XXXX  still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation of dispute. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers withe the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Account # XXXX XXXX Bank Delaware was paid. Displaying incorrect balance on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXXt XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

My family and I moved out of the XXXX XXXX apartments in XXXX XXXX, TX in XX/XX/XXXX. We were never told by management that we had owed any money and we were paid up until we moved. We provided management our forwarding address and we also were still receiving mail at the property up to a month later. We never received any documentation regarding this collection, no phone calls. I have disputed this time and time again. This has been removed from my XXXX account due to the statute of limitations. Its been past XXXX years by TX laws and past XXXX years by GA laws. I didnt move from TX until XXXX. This has been removed and replaced on my credit several times in the past year and the balance has increased. This collection was also put on my credit in XX/XX/XXXX.
Product: Checking or savings account

My Navy federal Bank checking account is in a negative of {$20000.00} due to someone depositing false checks into my account and my bank charged {$990.00} on my account 4times everyday until it got all the way too XXXX  so I filed for a fraud claim and they did a terrible job at helping and said I am responsible for the debt when I never deposited these false checks. Someone basically scammed me
Product: Money transfer, virtual currency, or money service

I tried to transfer money that I have had on XXXX for months because I'm in need of it. and when I tried to transfer it said that capital one has blocked me from receiving it.
Product: Checking or savings account

Checking account opened in  XXXX , met all required promotional activities such as {$15000.00} deposit kept in for 30 days and {$250.00} debit purchases within 45 days, account opened for longer than 5 months now, and no sign of my {$300.00} promotional bonus as promised to me.     Called several times, spoke to a supervisor. Promised to have the bonus by  XXXX   XXXX . Please help Citibank keep their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have an account that is not mine. I want the inquiries I did not authorize removed. I have an account that do not belong to me that says charge off. I am attaching a letter of explanation.
Product: Mortgage

On XXXX, 2016, XXXX Mortgage Company sold my home mortgage to a company named Seterus , Inc . I was not send a " Goodbye Letter '' from XXXX notifying me of the sale, and to date, despite numerous requests to XXXX by phone, have never received XXXX. So then did not handle the sale in the manner they are required to do ; they never notified me. 

This complaint concerns a " mortgage company '' called Seterus , Inc . 

I learned my mortgage had been sold when I called XXXX to make my monthly payment and they told me they could not take payment ; the loan had been sold. They did not know who they had sold it to and told me all information would appear in the " Goodbye Letter '' that has never come, 4 full months later. 

I finally was able to learn through other sources that the loan had been sold to a company called Seterus, Inc and called them, spoke to them, asked for my loan number and made my payment. I was told to expect a " Welcome package '' which did not come until I 'd asked many, many times. It contained almost no information. 

Here 's the problem : Since my first payment to Seterus in XXXX, I have always paid on time. That would, to date, be XXXX, XXXX, XXXX, XXXX, XXXX ... 
All payments have been made on time. 
However, Seterus did not show up on my XXXX credit reporting bureaus ( XXXX ) until I wrote and complained. 

They have added the account now to XXXX, but it is incorrect. It only shows a payment in XXXX only. As far as I can tell, the other credit report bureaus are not reporting at all. 

I have written to Seterus several times asking that they follow the law and report accurately to all XXXX of the credit bureaus on a MONTHLY BASIS. I even sent XXXX of the letters certified mail, so I can prove it was sent and received. 

None of the letters have resulted in compliance and Seterus 's lack of reporting is HURTING my credit score a GREAT DEAL. They must report accurately and monthly. 

Please assist me in getting Seterus to comply and report my payments in a timely and accurate fashion, as is required by law. These payments must date back to when they bought the loan, which is XXXX of 2015. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote this company to let them know that the statue of limitations has ended on the debt that they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.
Product: Credit reporting or other personal consumer reports

" I

am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and res
ponsibly.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Hello, I was recently scammed by XXXX XXXX out of {$1000.00} for an app that they never created of mine. I went to my bank to try to get my money back but it was denied because XXXX stole images from my website and sent them as screen shots claiming they created the app. They also submitted my contract which was with XXXX XXXX but the transaction on my bank says XXXX of XXXX. 

I tried to deal with my bank and my bank doesnt look out for small individuals. Chase bank denied my fraud claim. Please help me rectify this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with 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 these violations.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Excessive addresses listed. Only the following should be on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX I've been at this apartment complex since 2017. All others are obsolete. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN : XXXX DOB : XX/XX/XXXX RE : Inaccurate Information NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have recently been informed that there is negative information reported by Pennsylvania Eastern Bankruptcy Court in the le you maintain under my Social Security number. Upon ordering a copy of my Lexis Nexis consumeXXXX report, I see an entry from this court listing with Reference # XXXX led on XX/XX/XXXX The entry with Reference # XXXX led on XX/XX/XXXX with this court appears to be inaccurate. 


I AM FORMALLY REQUESTING AND EXERCISING MY RIGHT TO PRIVACY OF MY INFORMATION. 

XXXX. Congressional ndings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following ndings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request verication and validation of this information with the Pennsylvania Eastern Bankruptcy Court and provide me with copies of any documentation associated with this account granting you authorization to obtain and furthermore report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately DELETED from the Lexis Nexis consumer report and consumer le that you maintain under my Social Security Number.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I PROVIDED NO SUCH WRITTEN INSTRUCTION TO LEXIS NEXIS TO OBTAIN OR FURNISH THIS REFERENCED ACCOUNT WITH THE PENNSYLVANIA EASTERN BANKRUPTCY COURT. I REQUEST A DELETION OF THIS ABOVE-MENTIONED ACCOUNT IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX
Product: Checking or savings account

Opened a XXXX  XXXX XXXX account under the terms to receive a {$200.00} bonus after receiving a portfolio review. 

Portfolio review completed on XXXX XX/XX/XXXX Account opened on XXXX XX/XX/XXXX Received only {$100.00} bonus after contacting XXXX XXXXXXXX on XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I paid Chase an amount of {$2500.00} to a wrong credit card account on XX/XX/XXXX. I wrote to them middle of XXXX to get my money back. Chase wrote me back after a month on XX/XX/XXXX stating they would mail me a check. They told me it took two weeks to get my money back. As of XX/XX/XX/XX/XXXXand many follow up calls they can not give me a straight answer as when I will get my {$2500.00} back. This has caused many problems. We told them we want to get refunded right away but they told me they would a month ago.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!