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

On XX/XX/XXXX I contacted XXXX to inquire about an internet offer I was sent through unsolicited postal mail. Upon contacting them via phone I specifically told them, no less than the times, I was not allowing them to run a credit inquiry on my record. Upon reviewing my report there is a inquiry on the same date recorded which is negatively affecting my credit score. 

Upon contacting the reporting agency TransUnion to dispute the inquiry I was told they could not do it without a statement from the inquirer. After many hours on the phone with XXXX I was told no one at their company could provide me with the required dismissal letter and was hung up on. 

I am contacting the CPFB in an attempt to have this record expunged from my credit report.
Product: Credit reporting or other personal consumer reports

I attended a nightlcub in XXXX  where my purse was stolen. A police report was filed with onsite officers. I recently obtained a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted XXXX, XXXX, and Experian and advised them of the XXXX  incident and the fact that accounts that are not mine are reporting to my account. I also mailed in this information XXXX and XXXX and have not received a formal response. 

Reporting information to my profile without my written consent is in violation of 15 USC 1681B I researched this accounts thoroughly and they are not mine. Reporting accounts in direct result of identity theft is also in violation of 15 USC 1681 C-2 I noticed someone attempting to gain more line of credit in my name because they are credit inquiries listed. I asked that the unverifiable addresses where I never resided also be removed from my profile to prevent any further identity fraud. I still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

About seven month ago XX/XX/2019. I purchase a sectional from XXXX XXXX XXXX in XXXX Florida, I did my financing through the company they used called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid my loan on time every month and made the decision to pay it off in full before the time allowed. I made my last payment in XXXX of 2019. I applied to my mortgage company to refinance my home, they informed me that I had an open account with XXXX XXXX for {$1900.00} reporting to Trans Union with a balance of {$420.00}. 
I contacted XXXX XXXX on the XXXX of XXXX of this year and spoke to three different supervisors by the names of XXXX, XXXX and XXXX all at different times in an effort to have this error corrected. Nothing has been done to date. I asked to speak to a manager and was told they did not have one for me to speak to they can only send a ticket to the manager to address the matter. I find it troubling that no manager is available at this company to address consumer complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.
Product: Credit reporting or other personal consumer reports

I have disputed a XXXXXXXX XXXX XXXX account ( # XXXX ) on my Equifax credit report XXXX times, citing inaccuracies. Despite this, Equifax continues to verify the account without proper investigation or proof, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). The account contains inconsistent data, including a charge-off amount of {$140.00} but a past-due balance of {$520.00}, and possible re-aging, as the reporting date was updated to XX/XX/XXXX despite the account being closed in XXXX. 

This mirrors the CFPBs recent enforcement action against Equifax, where they were fined {$15.00} XXXX for improper dispute investigations
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 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 fit these violations.
Product: Credit reporting or other personal consumer reports

Experian says my XXXX account needs more time for boost they stole 15 months of on time never late payments in the pics below you clearly see Experian is lien to cfpb. They keep doing his in retaliation for me filing complaints
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

OLD FTC FRAUD THEFT REPORTED 179 DAYS AGO ATTACHED BELOW Account number XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Contact XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.
Product: Debt collection

I called American Accounts and Advisors regarding a letter I received stating I owed a debt of {$670.00} regarding a charge from XXXX XXXX XXXX on XX/XX/2021 at XXXX XXXX. I spoke with a representative, provided the File # listed on the correspondence and was transferred to the line of an individual named XXXX. My call went to voicemail, at which point I left my name, call back number and the File # listed on the letter. As I was ending the call I received another. I switched calls and was informed the person calling was XXXX and she had just missed a call from my phone number. I informed XXXX that I had just left her a voicemail regarding a letter I had received. She proceeded to ask if she was speaking with ( my name ) and I said yes. She then disclosed the name of her company and read me the mini-Miranda. I had asked why she would do that without proper verification. She informed me that all she needed to proceed with the call was to verify my name. I stated, " Not according to the FDCPA '', at which point she told me I was incorrect and that she was required to disclose the name of her company and that the communication was from a debt collector on all calls, including voicemails, and did not require verification to do so. When I questioned this again, XXXX then said, " Ok then, is your date of birth ( my DOB ) '' to which I verified. XXXX then proceeded to XXXX for payment. She continued to inform me of her company and XXXX XXXX credit reporting process. Additionally, the notice I received does not include any information about my right to dispute this debt. I feel this company is acting in an unfair and deceptive way. I have since checked my credit report and as a result, my credit score has dropped 61 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I secured a mortgage loan with U.S. Bank in XX/XX/XXXX. I have never been 30 days past due in the last 6 plus years. I filed chapter XXXX bankruptcy protection in XX/XX/XXXX which was discharged in XX/XX/XXXX. All reporting from this loan to credit bureaus both before and after discharge has ceased. When credit is pulled no mortgage even shows with U.S. Bank. This is drastically affecting the recovery of my credit rating. At that time it was XXXX and has remained the same over the last year plus. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

During the review of my credit report, I noticed several hard inquiries that were not mine. 

1. XXXX XXXX inquried on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX I tried finding a phone number for this business but was not successful. I even called XXXX customer service and they were not able to help me. I tried disputing this through the credit reporting agency XXXX XXXX but when I l clicked file dispute it says hard inquiries I have to call on. I called XXXX and the customer service people told me I have to file an FTC complaint for them to review the removal of a hard inquiry. 

2. There was also one for XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX. 

None of these are my inquiry nor did I authorize anyone to apply for credit. 

I have put a fraud alert on my credit reports and locked the credit file.
Product: Credit card

I spoke to several representatives to understand why synchrony keeps reducing the limits of several of my cards without reasoning. My accounts are well taken care of paid on time and my limit dropped from XXXX to XXXX on a single card alone. They have no valid reason for doing so and in turn have affected my overall credit limits and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear XXXX, I am writing to file a formal complaint regarding the recent reduction of my credit card limit by synchrony bank. I am deeply concerned about this action and believe it to be unfair and unjustified. 

In XXXX, I received a notification from XXXX informing me that my credit limit was reduced from XXXX to XXXX, for several of my synchrony credit cards.This decision has significantly impacted my ability to manage my finances effectively and has caused undue hardship. 

Synchnory bank changed a total of XXXX cards some of which they closed and some the changed my limit to XXXX dollars from XXXX event hough these accounts were in good standing. 

I have been a responsible cardholder with synchrony for several years. consistently making on-time payments and maintaining a good credit score. Therefore, I fail to understand the rationale behind this sudden reduction in my credit limit. 

I request a thorough investigation into the factors that led to this decision and urge you to intervene on my behalf to rectify this situation. I believe that synchnory has not provided adequate justification for their actions, and I deserve transparency and fairness as a consumer. 

Furthermore, I would appreciate prompt resolution of this matter and restoration of my previous credit limit. I rely on my credit card for essential expenses and financial emergencies, and the current limit does not meet my needs. 

Please consider this letter as a formal complaint under your jurisdiction, and I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : CHALLENGE FINANCIAL SERVICES. I am demanding no further communication, return of property OR assest/monies recovered from my account private and public ledger journal entries showing such.In regard to the COLLECTION this alleged debt Mr. XXXX tries to extort a form of monetary payment as a last chance " offer ''. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. This company has gas violated FCRA by reporting " charged off '' when the debts was already paid upon signing and extending my credit to company.. XXXX, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.
Product: Debt collection

The 3 Credit Bureaus is reporting inaccurate information on TSIXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Recently, I requested a copy of my credit report and noticed several inaccuracies on the report. This account is hurting my ability to obtain credit. It is important that you investigate this item for me to ensure accuracy on the information. 

This is the account I need you to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a collection listing on my credit report that I have NO IDEA why they are reporting! 
This is not my account and I need it removed asap! 

XXXX XXXX XXXX  NOT MINE 2. US Department There are 4 XXXX Loans listing. These are my loans. However, I have NEVER been late. I am on auto draft for my payments and as you see I make every monthly payment.

a. The dates on my credit report that are showing no payments is because ; The interest-free student loan payment pause, known as forbearance, began as an emergency pandemic measure in response to the COVID-19 pandemic in XX/XX/2020 under then-President XXXX XXXX. It was eventually extended nine times over the course of three and a half years.
Product: Credit reporting or other personal consumer reports

XXXX and something dollars from a us bank account and the date around XXXX of 2023
Product: Mortgage

Mr Cooper has our first mortgage on our home since XXXXXXXX There is a large amount of equity in our home so we applied for a XXXX mortgage with Mr Cooper to have repairs done on our roof. During the underwriting phase, flood insurance was requested. We provided documentation from our home insurance, XXXX maps, Elevation certificate, appraisal and the original contract stating that the house was in XXXX XXXX on the flood maps. The 2nd mortgage group retracted the request for flood insurance. 

Following the ending of the 2nd mortgage, we received a letter from the 1st mortgage requiring flood insurance. We have provided all the same information to Mr. Cooper with no changes. We have made several attempts taking to XXXXood insurance department with Mr. Cooper. Each time a call has been made, the representative has recorded our concerns with no retraction of the flood insurance. 

The flood insurance has increase our mortgage payment {$300.00} each month. This is placing an undo burden on our budget.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX XXXX, as they have failed to properly update my account status after I paid off an outstanding balance that had been sent to collections. 

Details are as follows : Account Opened : XX/XX/XXXX Account Type : Cell Phone ( Individual Responsibility ) Original Balance : {$1000.00} Balance Status : Paid, Closed Payment Made : Full payment of {$1000.00} ( Date of Payment : [ Insert Payment Date ] ) Account Status Updated : XX/XX/XXXX ( still showing a potential negative status despite being fully paid ) Despite the fact that I paid the balance in full, XXXX XXXX has not removed the negative account reporting, which continues to be reflected on my credit report. This negative status is misleading and is harming my credit score, despite the debt being fully resolved. 

I am requesting that XXXX XXXX immediately update their records to reflect the account as " Paid '' and " Closed, '' and that they remove any reference of negative reporting. This inaccurate entry should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Experian credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information. 

1 ) XXXX - Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Legally paid in full for less than the full balance '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) I would like for Experian to review these inaccurate reporting information and make the necessary corrections.
Product: Credit card

In XXXX a holiday purchase while travelling in XXXX was made in the amount of {$420.00} using XXXX Chase VISA. The amount plus applicable interest charges were paid in full via a telephone transaction handled by a Chase Specialist. The next billing cycle, I was charged additional interest & late fees. I called to complain since the payment was paid in full. According to the Chase Specialist, the additional interest would be waived & late fees reversed. The next billing cycle, the late fee reversal posted but the additional interest in the amount of {$6.00} was not waived. In fact, it showed as past due and additional interest in the amount of {$.00} accrued. Once again, I called to complain. This time the Chase Specialist was apologetic and advised that the Agent who processed my payment in full erred. She should have told me that she was unable to provide a Pay in Full Amount since interest is calculated the following day automatically by a computer system. I had enough. I asked whether this fiasco was impacting my credit. She said not at the time but strongly advised that the now {$7.00} be paid immediately. I proceeded to pay. Well, several months later, Chase reported the account XXXX late for {$7.00} to all XXXX repositories negatively impacting my credit. My efforts to amicably resolve this issue with Chase has been to no avail. All of the Chase Specialists state that they agree with my position but do not have the authority to resolve the issue. The matter can only be handled by a Manager in a Special Collections/Credit Section. Each time, different Manager ( s ) state in a defiant tone that the matter is closed and I need to wait 7 years for it to drop off.
Product: Debt collection

Absolute Resolutions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXXXXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXX, as well as Absolute resolutions to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and absolute resolutions and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only XXXX XXXX XXXX XXXX XXXX closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. Absolute Resolutions and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and absolute resolutions is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from absolute resolutions, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

They retain my money because I deposits a check that I endorsed and the check clear and they told me that they need the owner of the check 's phone number to call them I gave them their phone number and they didn't accept it because their cellphone number wasn't under their name they told me to go to the branch with them and I told them that they are not in my so I just told them to close my account and they don't want to close if I don't go with them to the branch or the phone number it's under their name I just want to close this account and they to give me my money that's it