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

I HAVE SENT LETTERS TWICE NOW TO REMOVE THESE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I PUT FRAUD ALERTS ON MY ACCOUNTAND AM TRYING TO BUY A HOUSE NEXT YEAR. THEY REFUSE TO INVESTIGATE. THEY HAVE NOT SENT ME ANY INFORMATION AND I SENT A LETTER ON XX/XX/XXXX AND THAN AGAIN ON XX/XX/XXXX BOTH NOTARIZED AND CERTIFIED. I ALSO SENT LETTERS TO CREDIT AGENCIES ABOUT THE INQUIRIES AND THEY HAVENT RESPONDED EITHER. I WANT THESE INQUIRIES REMOVED IMMEDIATLY
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

SYNCB/RMSTGO XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Product: Debt collection

XXXX XXXX has opened an account on my credit of {$550.00}. I am unaware of this charge and I would like it disputed.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DIPSUTED HAS TO BE REMOVED OFF MY CREDIT FILE FOR ITS BEEN REPORTING INACCURATELY. IT WAS PREVIOUSLY REMOVED AND NOW ITS REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX GA XX/XX/XXXX 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Based on these two accounts : XXXX. XXXX. # XXXX XXXX. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with TransUnion, XXXX and XXXX that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done.

The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Product: Debt collection

Cfpb I woukd Like for you to first act upon this issue vs automatically closing my complaint I've been contacted for a purported debt. Elan Financial 's US bank account number is xxxxx. I've been receiving harassing calls from XXXX XXXX XXXX XXXX nonstop. Each day, I take several calls. On one particular occasion, I received three consecutive calls inside a minute. I'm not kidding, not even for a minute. which my rights under the Constitution are currently being violated. I'm specifically referring to the fair debt collection practice statute. By this firm, I am continuously being bothered. This type of calling is abusive and harassing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit card accounts opened at 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

LexisNexis accessed mine and my husband 's credit information without our written consent, and then provided that information to multiple XXXX  parties. This is illegal. It is Aggravated Identity Theft, which is a felony. I have called this to their attention and they have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall 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 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX  XXXX  XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Complete Credit solution showed up on my credit report for XXXX XXXX in the amount of XXXX. Stating the loan was opened on XX/XX/XXXX. I disputed to have it removed from credit report. XXXX said it is correct and will stay. I emailed the loan company for details of the loan, which they stated are : loan that was opened on XX/XX/XXXX?? and it was sold to XXXX XXXX. 

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

I requested a dispute because my birth year is wrong and it was not changed and told me my results couldnt be shown online.
Product: Payday loan, title loan, or personal loan

I have been charged multiple late payments fee which my payment was not late. The payment was received 2 -3 days after the due date. Per company loan contract. Late fee {$14.00} will be assessed if the payment is received 6 days after the due date. I have highlighted the payments and late fee charges that I believe it is not correct. I tried to contact the company and they are so rude. I could not resolve the situation.
Product: Mortgage

BSI Financial does not seem to be a reliable mortgage servicer for escrow payments. After I refinanced 3 months ago, they were assigned as my servicer. Around this time, my annual homeowner 's insurance premium was due. They underpaid the amount due by {$36.00}. This led to multiple letters from my homeowner 's insurance company threatening cancellation. I was finally able to get into contact with someone 25 days after the initial premium was due, and 5 days before the policy was scheduled to be cancelled due to non-payment on XX/XX/2020. 

BSI had the nerve to send me a letter that they would need to purchase homeowner 's insurance on my behalf due to the upcoming cancellation of my policy. 

The insurance company sent BSI a fax XX/XX/2020 to notify them of this, and I emailed XXXX on XX/XX/2020 after I was notified that the payment was not processed. To this day I have not received a response. 

In this email on XX/XX/XXXX, I also requested that they pay my property tax bill, which is due XX/XX/2020. No response. 

I sent a reminder email through the XXXX message center, but I can not access the record of the sent email due to the poor quality of the website. 

The whole point of escrow is to protect the lender against foreclosure due to non-payment of insurance/property taxes. I can guarantee I would be more reliable at paying the bills than BSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I tried to create an account for myequifax.com to get a free credit report. It said I already had one and took me a page to login in, tried to log in and email/password did not match. Clicked forgot password and says I do not have an account and to create one. I tried to create one again, same thing stating I already had one and to login. Did forgot password again and said I do not have an account. This was all from my phone XX/XX/2020 I thought I would try from my laptop. Same thing as before. Tried to register you have already have an account, login, forgot password, no account found. 

I called equifax to see what was going on. I was on the phone for 45 minutes with her. Told her what was going on, she asked for my info, said I don't have an account and needed to register. So I tried again same thing as before. Did forgot password and nothing. Cleared browser history. We did this multiple times. She keep on saying you don't have an account, I was telling her it is saying you have an account. I asked for a manager or a different person she said they can't help me. I probably asked three times. We got no where, no free report, never was able to login. She did file a dispute for me, but I asked if I don't have an account, how can she file one? She said because she sees me in the system. That doesn't make sense to me A company should not be able have this much power in my finances when they can't have live effective help. Especially after they shared 100s of millions people information that lead to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has NO OPTIONS is NOT XXXX XXXX  FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to XXXX  previously and denied? Why? Kindly note USAA & XXXX  XXXX  PROVIDED NO ACCESS TO RESOLVE FRAUD. XXXX Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER XX/XX/XXXX. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX ( " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE XXXX PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE PROFOND XXXX  XXXX XXXX  XXXX. What are XXXX   Special Needs Options? Why does XXXX  not follow the law? Why do they not make banks follow the law?
Product: Vehicle loan or lease

SANTANDER CONSUMER USA charging very high interest rates. Checked pay off for my vehicle last month and it was XXXX and it went up this month to XXXX as the pay off amount. If anything it should be going down not up. I have been trying to refinance though another company, but no luck.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Federal Trade Commission 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 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 I am writing to file a complaint against ( Transunion, XXXX and XXXX ) I have spoken to an abundance of Transunion, XXXX, and XXXX representatives and supervisors over the phone over the past two years, and I have tried to resolve this issue, enclosed is documentation on CFPB website regarding various complaints regarding my dealings with these three companies XXXX, Transunion, and XXXX. These three credit bureaus XXXX, Transunion, and XXXX have violated my rights as a consumer and refused to delete the accounts above due to 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 a account without my written instructions 15 U.S.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These companies below have violated my consumer rights above : Respectfully, XXXX XXXX XXXX Natural Person ; XXXX
Product: Debt collection

Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting a debt on my credit, and I don't owe it. This Account has been closed for many years and it should not be on my credit. I have no idea what this {$4.00} balance is about on my credit. I never received any notifications, calls or any letters regarding this debt. This account closed on good terms, and now it's appearing on my credit negatively. This is erroneous & needs to be removed off my credit.
Product: Prepaid card

The companys response in regards to a disputed charge on my behalf is unacceptable. The agent never told me they could not dispute the charge due to it being over 120 days, hence how the dispute was able to be filed in the first place. Instead of filing the dispute, the agent should have told me it could not be filed. Had that happened, I wouldnt have wasted my time and energy filling out three pages of their stupid dispute form and faxing it to them along with a copy of my bank statement.
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 matters 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 card

My XXXX 's account was transferred from XXXX XXXX to Citibank. Citibank is denying online access to my account because is currently in a repayment plan. They told me the only way to pay in my account is through the phone, store, or regular mail. These forms of payments are the least secure and more prone to fraud. I have asked for my account number to send a payment via my bank ; however, that was also refused. I have requested to speak to a supervisor, which has also been refused. Citibank is denying me secure access to my account and a secure/safe way to make a payment. Additionally, they are denying me customer service.