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

I am expanding my business and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. These inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have already notified CFPB, and the Federal Trade Commission by completing an identity theft report and I have included copies for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX ( Barclays Bank ) 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 furnish an account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

Requested payoff 3 times. We are not able to close and cost money for relook. They will not give payoff to me or bank.
Product: Credit card or prepaid card

Comenity Bank is reporting inaccurate, unverifiable and otherwise irrelevant information regarding an account with Express, a store that is not local to me. I disputed with XXXX and XXXX, and those credit bureaus state that Comenity Bank verified the account presumably using XXXX. I would like to know who at Comenity Bank spoke with XXXX and XXXX and provided a preponderance of evidence that the aforementioned account was mine. Where is the application that bears my signature? Where is the contractual obligation that states I must pay the account? See the attached complaint form. Please remove this account in accordance with Reg Z and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  ( Original Creditor : 06 XXXX  XXXX  ) XXXX Balance : {$0.00}
Product: Consumer Loan

Westlake Financial Inc. account # XXXX is an old car from I believe 2012 that was repo 'd. Westlake on my credit report is showing that is is charged off and this car has not been in my possession for at least 4 years now. However, after applying for a mortgage, we noticed that Westlake has been reporting late payments several times through out the last 4 years and then the last 7 months in a row they have reporting a late payment even though this truck has not been in my possession for many years. My understanding is that when something charges off, that means the company decided to charge it off the books and therefore, they can not, in turn report late payments anymore sporadically or consecutively past the charge off date. I guess what I am saying is you ca n't be late on something that charged off. They have been doing this for years and years and has caused my scores to drop big time. I have been trying to get my credit back in shape so my family could purchase a home. After working really hard to do that I find out this company has been illegally, in my opinion, and willfully, charging me late to harm my credit. I am requesting all the late payment past 2012 be removed from my credit report and specifically all the late payments over the last 2 years should be removed ASAP since I have not had the car in my possession and the account was charged off.
Product: Payday loan, title loan, personal loan, or advance loan

My complaint is on XXXX XXXX  and Greensky because Greensky is the financing company that financed the transaction on behalf of XXXX XXXX. I feel I am a victim of unfair, deceptive and abusive acts in order to get me to purchase a service that I did not need. Now I am stuck with an XXXX debt that I would not have taken out. I reached out XXXX XXXX back XX/XX/year> because I kept having water seeping into my basement from what it looked like at the time the main water line and the black pipe that runs through the house. ( I learned in recent that it's called a stack pipe, and it was a plumbing issue ) I explained to them that I needed the basement dry as for I recently had XXXX XXXX  and needed to move back in this house due to unforeseen financial / issue and separation from my husband. I walked around the basement with this salesperson ( XXXX XXXX ) and showed her where the water was coming from. She advised that if they waterproofed the basement and added this triple pump that would stop any water from coming into the basement. Offered me to finance the project in which I did with a {$2900.00} deposit and {$8700.00} finance option through Greensky. In recent I had to pay a plumber and file insurance claims for plumbing issues all along having to spend and addl XXXX for the actual issue. Then the icing on the cake comes when I have a 5-year service plan that i paid for that doesn't actually mean warranty because the pump broke recently only for them to tell me sorry you are outside of warranty and the service plan does not mean they cover items just " service it yearly ''. I reached out to Greensky to find out how they protect and make sure of this, and the woman was nice and attempt to reach out to XXXX XXXX to mediate she wasn't able to get in touch with them was supposed to schedule a call back with me and their contractor and I never heard back from them
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are reporting an account as a charge off/collection but XXXX is not reporting the account. I would like to know the information XXXX XXXX Experian has that XXXX does not. The consumer reports must match across the board and this account does not. Furthermore banks are insured under FDIC so they do incur a loss so reporting this account as such is erroneous claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan for consolidation. According to Mariner Finance I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default Mariner Finance issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), Mariner continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be XXXX due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by Mariner Finance would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!
Product: Checking or savings account

Been banking with Bank of America for 30 years and just this year XXXX  its been a mess, where my bills werent payed for insufficient funds were funds were available because Bank of America seems to have these weird unlike any other times with these withdraw amounts and times that are way off and might have caused these situations that are just not right. I would call or chat with a representative about this with no help, also I would get unusual credit for what was owed and was denied but when the next day I would see all credit back into my account. Even more than what I initially expected, was relieved for getting credit back but next few days the credit would be taken out with no explanation. These and other unexplained transactions, withdrawals and credit in a unusual time would really set me back with bills not being payed and caused all kinds of fees with Bank of America and other credit card bills that were not payed and caused my credit score to get very low and situation snowballed to out of control. Im very angry at other lenders and credit cards that would take a huge credit line loss and caused me damage to me and my credit where I have worked to hard to have a high credit score for many years. I feel like this is unfair and these new ways how things are handled is not ethical and now I cant do anything. Its causing me great deal of XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX, I purchased XXXX ( XXXX ) $ XXXXdollar Visa prepaid cards issued by U.S. Bank in XXXX XXXX XXXX located in XXXX XXXX , CA XXXX . I registered all cards with my personal info right after the purchase. However, after XXXX minutes when I tried to use them for holidays shopping in the store, all cards have the damaged magnetic stripe which totally can not be used anymore. I immediately called XXXX and reported the issues with XXXX agents named " XXXX  '' and " XXXX  '' around XXXX - XXXX. Meanwhile I requested the replaced cards. 

It took a month to receive the new cards with my full name on it. On XX/XX/XXXX I tried to activate XXXX cards with XXXX agents and realized every single card has XXXX balance on it. I spent over XXXX minutes waiting for the right agent to help solve the issues. By around XXXX my call was finally transferred to a specialist named " XXXX XXXX who is willing to help. With another hour phone conversation, I was told all cards were compromised and used up in XXXX store and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is the reason the new replaced cards mailed to me have no balance. 

I made the very very clear conversation with those XXXX agents on XX/XX/XXXX that all three cards were damaged and not possible to be used in the store. The cards need to be void and empty with XXXX balance after requesting the new card mailed out. Also, the old cards were registered with my detail personal info on XX/XX/XXXX so I really do not think I have to be responsible for those fraudulent unauthorized transactions during XX/XX/XXXX and XX/XX/XXXX before receiving the new cards. 

The following are XXXX cards ID info provided by the agent. 

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

Dear CFPB, I am writing to request the deletion of several fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, these inquiries were made without my knowledge or consent and have had a negative impact on my credit score. 

The hard inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe that these inquiries were made as a result of fraudulent activity, and I have taken steps to report the identity theft to the appropriate authorities. As a victim of this crime, I have the right to dispute these inquiries and have them removed from my credit report. 

Unfortunately, I was unaware of the fraudulent activity until recently, which is why I did not report it sooner. I only became aware of the issue when I received notification of the hard inquiries on my credit report. Despite my diligent efforts to monitor my credit report, these inquiries managed to slip through undetected. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising my rights under this act to request that these fraudulent inquiries be removed from my credit report. 

I have attached documentation supporting my claim of identity theft and I am willing to provide any additional information necessary to assist in the investigation of this matter. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. 

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

Prior Investigation related to this complaint CFPB # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is my only name and my only address. I have given Experian more than XXXX  days to Update and fix this issue. But still have received no feedback or letters or even a CFPB complaint response from experian. Experian continues to violate my rights On top of violating my rights Experian is not even responding to the CFPB complaints I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing 2 accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house
Product: Checking or savings account

i have spoken to all the banks that i have the problems with but they do not want to work with me, i did everything they told me, i even went to the police and is costing me a big problem.
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. 
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/XXXX
Product: Mortgage

Hi, I have an FHA loan with an origination date of XX/XX/11 and have been paying monthly PMI since then which is about 8 years now. Per online regulations at the time and some real estate help and HUD guidelines, was told that once your " loan to value '' ( LTV ) ratio reached 80 % of appraised value, PMI should be cancelled. 
My house value has gone up considerably and I have written to Carrintgon Mortgage Services couple of times asking to have the PMI removed, they come back saying ( to suit their convenience ) that they will not look at the current value but, the original appraised value. This is really unfair, since when I bought the house in 2011, this was the expectation. 
I have not missed any payments and feel that CMS can not use whatever suits or benefits it to not waive my PMI. This is per HUD guidelines, and it is important that rules also help FHA loan consumers while protecting mortgage companies. 
Thanks in advance for your help in removing my PMI by Carrintgon Mortgage Services and use current value of the house for LTV, with loan origination in 2011 and no missed payments. 
Kind Regards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa. ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair 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: Mortgage

Hello, My name is XXXX XXXX and I am filing a complaint on Carrington Mortgage. 
XX/XX/XXXX. I called the insurance agency to get hail and windstorm information for the roof claim. I was told by XXXX from the XXXX insurance agency that I use, that I don't have hail/windstorm insurance since XX/XX/XXXX. She stated that XXXX sent Carrington Mortgage multiple requests for payment that was not sent. 
I called Carrington Mortgage and initially spoke with XXXX who told me I had insurance. She stated that she would investigate more to see why my agent said I didn't have insurance. She later found that the statements did show I had insurance but no check was ever sent. She connected me to a supervisor and claimed I needed a quick issue so I could make a claim. This was a back-and-forth issue with the company that was without progress. After repeated calls and speaking with multiple representatives and supervisors, I then spoke with XXXX who got XXXX to complete a quick issue so I could claim my roof. XXXX stated that I would be receiving an email with a waiver form so I could start the claim process. I never received the email. I called again on XX/XX/XXXX for more insight and to let them know I did not receive the form. I spoke with XXXX ( XXXX ) who stated that the insurance process center received the email for the quick issue. However, no one could tell me how this issue happened or how it would be resolved. Carrington Mortgage did not pay my wind and hail insurance premium but in their records, it showed that I had insurance. They did not contact me for anything and now I have a roof with damage that needs to be taken care of. The mortgage company 's neglect of paying for my premium when they were supposed to pay it has put me in a horrible predicament. I need this to be resolved and someone to be held accountable for dropping the ball. Carrington is being neglectful on their part. This looks like fraud and possibly theft of my funds I have attached forms showing XXXX 's request for payment and an Escrow statement acknowledging I have coverage in their records