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

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Owed : {$85.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to CARRINGTON MORTGAGE SERVICES and to the 3 BUREAUS ( XXXX, XXXX and XXXX ) and notify them of their error posting of information on my report. I was never late on these accounts. On XXXX, I received their acknowledgement of the QWR and said the investigation would be complete on XX/XX/19. But they never sent a response. They are required by law under the RESPA/ Dodd Frank Wall Street amendment to provide the acknowledgement in 5 days ( research this to double check ) which they did, and then investigation results in 30 days. Which they did not. They are now in violation and must remove the 4 late pays reported. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Checking or savings account

XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT A LOAN FROM XXXX XXXX  AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON TRANSUNION.
Product: Mortgage

I XXXX XXXX applied for a mortgage on or about the year of XX/XX/XXXX. I applied for a mortgage amount approximately of {$100000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so Webster bank who originated this no income check subprime mortgage could verify I can afford it. Webster bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Webster Bank loan # XXXX on my Owner Occupied Property : XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Webster Bank NA are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Heres the police report case number : XXXX I received in regards to the following fraudulent and unauthorized inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX A Part Of XXXX XXXX XXXXXX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have 2 inquiries on my Transunion report that I do recognize. The accounts I am complaining against are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX  of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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, credit repair services, or other personal consumer reports

transunion is not good credit watch company, they do not update my credit, like credit card is already closed long time, but they still show is open. when I apply new credit, credit card company think I had a lot activated credit card, then they decline my apply. even I had over 800 credit score.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax business report and once again they are reporting inaccurate information. Ive asked them on numerous occasions to report the accurate information below to my business report and they still been reporting inaccurate information after I sent them the correct information by their request. Now they are reporting that I have XXXX separate late payments from XXXX XXXX XXXX XXXX XXXX XXXX  on a {$50000.00} loan that is paid and closed with no late payments. I am requesting that they report correct information and please stop trying to sabotage my company reputation with false and inaccurate info. I contact my bank and they confirmed Equifax never received notification to report my account late I am requesting again to update correctly asap CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Na XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

On XX/XX/23 I paid off my visa in full leaving a XXXX balance. On XX/XX/23 I was charged {$37.00} on a XXXX balance. I called for an explanation and was told first they didnt receive my payment prior to the charge, which was incorrect since I paid in full 12 days prior to the interest charge, then I was told it was because I did not pay my card in full for two separate months in a row. When I asked what purchase the interest was being applied to there was no answer just repeated that I did not pay in full two months in a row. I advised I wanted to cancel my card. They then Replied that they would no longer help resolve the issue if I cancelled my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX Experian 's false claim that I did not authorize my own complaint is rediculous as I provided all required information including last 4 digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit (!!! ). Please have Experian comply with the credit reporting law.
Product: Debt collection

I am requesting the removal of a rental debt reported on my credit report. I have asked for a 1099-c which XXXX XXXX XXXX has refused to comply to mail out to me. This debt has been charged off and canceled. I'm requesting that the credit bureaus remove this debt immediately from my credit report. 

This debt has created hardship for me moving forward. The fact that XXXX XXXX has not made themselves assessable to resolve this issue I'm within my rights of having this debt removed.
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 ). 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

On Saturday the XXXX of XXXX I had deposited 6 checks into the atm. They immediately said there was a hold on them until the XXXX of XXXX. I have never had any bounced checks or returned items through depositing business checks. I proceeded to call BANK OF AMERICA and was put on hold fairly fast. Upon returning to my call the girl had stated that all the checks were dated the XXXX which is why they were on hold. I asked to speak to a supervisor who proceeded to talk over me and have no distinct answer why this occurred. She said I would have to call back tues or wed once they had processed, I stated I could not and they would have to reach back out to me as I was already inconvenienced with them already. No calls came either day, I called Tuesday and got the same run around. Today the supervisor informed they could not speed up the deposits nor lift any holds and could not give me a direct answer or return my checks to me.
Product: Checking or savings account

XX/XX/2022 notified Bank of America of an unauthorized electronic fund debit {$290.00} on my checking account. BOA has not credited me back the funds even after the company accepts the chargeback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

My husband and I both have made several calls to Wells Fargo trying to get this matter resolved in a respectful manner, especially considering that they 're at fault. It was brought to our attention from our mortgage broker that Wells Fargo incorrectly reported information that has severely impacted our credit score. Not once in the past 8 years of owning this home have we been late nor missed a payment, as our record will prove. It was during the mortgage process that it was brought to our attention that Wells Fargo reported a 30 day late on our credit report back in XXXX. We were speechless and immediately tried to understand how and what happened. For eight years, we 've never had a problem. After numerous dead ends and roadblocks, our issue was escalated to their executive customer service department. This is where our communications with the supervisor, ( I 'll leave unnamed ) began. Upon further research, they were able to identify the issue. This mortgage is for a vacation home that we have. Our statements have always been mailed to our primary address. During this time, we moved and we updated our new mailing address on the back of a statement. This is typical procedure for updating your records. As it turns out, someone at Wells Fargo incorrectly inputted the address change and that is what caused all of this. We never received our statements as a result of this clerical error on the part of Wells Fargo. They were off by one number updating our new address. The supervisor then stated that she would escalate the case. She called us at the XX/XX/XXXX to tell us that they were still evaluating the case but to this day we have yet to hear back from her or anyone else. I 'm now unable to get a hold of her when I call. We are now unable to refinance our home due to their mistake which they acknowledged and admitted to. Wells Fargo is now the only negative we have on our reports in the last 20 years. I have proof of my statements with one being the incorrect address and after they corrected their mistake, one with the correct address. Any help would be beyond greatly appreciated as this has really had quite an impact on our lives. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries are still present, indicating a compromise of my credit under your oversight. Despite submitting FTC report # XXXX, these inquiries have not been resolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance and each company received a certified letter stating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint concerns several unauthorized hard credit inquiries on my credit report, with SEVEN ( XXXX ) inquiries still remaining. Enclosed is my new FTC report, number XXXX, for your reference. I am extremely disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please stop the delay tactics and remove the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will take legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my FINAL WARNING. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.