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

I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization.

As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act.

But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

I have attached for your review my dispute letter I sent to this company earlier and my FTC report
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.
Product: Payday loan, title loan, or personal loan

I wrote ( sent a priority letter ) to the CEO of the company One Main Financial company XXXX XXXX in Indiana. I told him something wasn't right about my loan and that I couldn't understand how I could make payments and not see my loan amount go down and that the majority of my payments went to interest and not principle ( AT LEAST HALF SHOULD GO TO PRINCIPLE! ). At the writing of this complaint I paid {$160.00} on my loan and only {$49.00} went towards principle!! How is that so??!! I called the local office and asked how this could be and complained as well but the person I was speaking to only gave me the run around. In the letter I wrote to the CEO XXXX XXXX I begged him to lower my interest rate and to fix it because something was fishy about my loan ( PREDETORY LENDING! ). He NEVER answered me ( because he doesn't care! money goes into his pockets so he doesn't care about people struggling or getting ripped off as long as his pockets are fat! ). I took a loan of {$3500.00} from One Main but at the rate I'm going by the time I finish paying for it I will have paid probably {$8000.00}!!! This is wrong and something isn't right ... they are ripping people off and taking advantage of people and I think it's illegal practices. This company needs to be looked into and I don't want to be taken advantage of. I feel I'm being ripped off ... I have the documentation showing that I paid {$160.00} and only {$49.00} went to principle. ALSO they do not put how much interest they're charging you on the monthly statement so you don't have a clue as to what they are doing/charging in interest and how they're coming up with the charges!!! They also don't post on your statement what your interest rate is!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also XXXX inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX FXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX AXXXX As you can see- they have it on there twice. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!
Product: Mortgage

Citi Mortgage keeps denying my mortgage application ( via XXXX ). They use factually incorrect appraisals, deem legal properties 'illegal ' despite meeting all city and state building standards, and make dozens of trivial requests for additional information ( ie. a XXXX from a XXXX job from 2014, for which I am not even using as part of my income qualification ), and require 'repairs ' for things which meet both local and state building codes. Also, denying me due process by frequently going past deadlines for decisions. I have lost out on 3 houses and lost my apartment due to XXXX. They will not process loans in a timely manor and let sales contracts expire. Living out of a suitcase with all my possessions in storage, waiting on ANOTHER closing date. They messed up my last loan application so badly that they needed to create a new loan number, and are currently putting me through the wringer a second time, on the same house. The same move in ready house with the same income information.
Product: Debt collection

I received a collection letter from a company called Southern Service Systems on XX/XX/XXXX. Trying to collect on a debt from a home I lived in last year when I was on HUD. I stayed out there for 3 yrs and never had a problem until the new manager came and all the old workers left. I was living month to month, had already fulfilled my lease. I didn't pay any rent being that it was income based. I went to the office and put in my 30 day notice to vacate. During the 30 days an inspection was done on the home. They found no problems. I moved out on XX/XX/XXXX. The amount they are saying I owe is XXXX for an unknown reason. I sent a debt validation letter to the agency requesting proof of the debt and what exactly I was being charged for. I received a response on XX/XX/XXXX. It wasn't what I asked for. It was only a printout of the lease and didn't show any amount owed or explanantion. I then called the company directly to see if someone could explain to me and I was unsuccessful.  The lady I spoke with had no clue of what was going on or what the charges was for. First she said rent, I explained that wasn't possible because I put in a 30 day notice and furthermore I didn't pay rent because I was on HUD at that time. There wasn't any damages because an inspection was done prior to me moving. I paid a $XXXX security deposit before I moved in that was never returned to me when I moved out. If it was something owed then it should have been taken out of the deposit being that I didn't get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX  Addresses : The following addresses are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following address should be added : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XXXX the XXXX I had my taxes reduced because I am a XXXX XXXX I called my Mortgage company notifying them they gave me excuses why they couldnt have my mortgage updated that day. They needed statement from the county tax office. I logged into the app they have provided the award letter to them and got a confirmation email saying they would get it corrected. On XXXX the XXXX I received a letter saying my mortgage would be going up instead of down. The analysis statements date in XXXX the XXXX. Its had my county taxes listed XXXX or XXXX payments of XXXX. I had already received a refund check from my county taxes office for XXXX dollars. I called them they said that my mortage company has access to my county taxes online and that I had already payed my yearly taxes. The new taxes are XXXX. I contacted my property insurance company and found out they had raised my rate so I changed property insurance companies and contact my mortgage company again. Giving them the new lower rate. It is now XXXX the XXXX and my account is still not corrected. When I check online my account still does not show the correct property tax. It still shows the new mortgage rate. At my previous rate I would have over payed by XXXX and gotten another refund from my county tax office. Their saying that I have a XXXX shortage. While I still am waiting for the refund check from my previous insurance company to come to send to them. They are not providing me with timely service. Correcting issues when they arise. They said the new escrow analysis would be completed by the XXXX. It does not take a week contact the local taxes office. Their saying I have to pay the new rate of XXXX for XXXX and that my new mortgage rates wont be reflected until XXXX. All I want is for timely service to be provided to me. It should not take months to correct mistakes.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. MY ONLY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also Experian has that I have all late payments but XXXX has that I have on time payments. Which means both credit companies are supposed to be accurate.
Product: Credit card or prepaid card

Amex wrote to me to say that if the balance on the prepaid card ws not used it would be sent to New York State. I asked what the balance on the card was. Amex did not respond ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA the credit report must reflect true ans accurate information. The credit bureau has investigated stating the account is accurate however the account is marked 90days late when last payment was made after the 90day delinquency.
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 procer 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 XXXX XXXX financial loss, and I seek appropriate redress for these transactions.
Product: Credit reporting

when i went to download my free annual credit reports from all XXXX companies i never got as far as the download as the internet connection timed out and the downloads were incomplete and therefore i could not print them out. Also, since that happenened i was also denied credit for a credit card ( XXXX Credit card ) For example as stated by law : Q : Are there any other situations where I might be eligible for a free report? 
A : Under federal law, you 're entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You 're also entitled to XXXX free report a year if you 're unemployed and plan to look for a job within 60 days ; if you 're on XXXX ; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a 12-month period. 

EquifaxXXXX ; equifax.comXXXX : XXXX ; XXXX : XXXX XXXXI need a new updated download of my reports from each in its own entirety for my record .... 

I remain, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681s-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
Product: Mortgage

I sold a home and my title company wired my payoff money to BOA on XX/XX/20. BOA did not respond to the wire or acknowledge that the payment was received, nor did they post the amount. The title company and I attempted to contact the bank numerous times, but they don't answer their calls. I called several times waiting hours and not getting through, my title company spent 5 hours on hold ... I went to my local branch several times and once waited on hold with the bank for 3 hours and they couldn't even get through on the phone. As a result of BOA not answering calls, another attempt was made to wire the funds and BOA didn't respond to that either. Today is day 17 and my funds have not yet posted. I am livid and worried. After numerous hours of wasted time, I can't get BOA to acknowledge the receipt of my funds and they continue to add interest and penalties will soon follow as I am not making mortgage payments on a home I sold. I am extremely worried about the funds, about my credit and about additional fees through no fault of my own. I think it's outrageous for BOA not to have to do their actual job, they blame it on COVID but I deal with 3 other banks that can answer their phones, see me in person and do their jobs.
Product: Credit reporting

Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit.
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 lost funds was impossible and that tracking these transactions were unfeasible. 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED TRANSUINION MULTIPLE TIMES IN REGARDS TO THESE FRAUDLENT INQUIRIES ON MY CREDIT REPORT AS WELL AS SENT IN MY POLICE REPORT THAT I FILED REGARDING MY STOLEN IDENTITY AND TRANSUION HAS GAVE ME THE RUN AROUND & HAVE YET TO FOLLOW UP WITH ME NOR OR THEY REMOVING THESE INQUIRIES OFF OF MY REPORT. I ALSO CONTACTED EACH COMPNAY WHOM THE INQUIRIES WERE MADE BY AND THEY ARENT BEING A HELP EITHER. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX ALL OF THESE ARE FRAUDULENT AND AM ASKING THAT THEY BE REMOVED ASAP
Product: Credit card or prepaid card

XXXX XXXX  slanders and harasses me over a {$1400.00} bill that isn't mine! Refuses to remove from my credit report. I didn't use the account they billed me during the time I was billed and no longer lived at that address I didn't ever get a bill in the mail because I wasn't using that name or address or account and didn't realize it was still open! A person shouldn't get harassed everyday in their car by a group of men who slander and tell everyone they need " taken care of '' for a credit bill of {$1400.00} that is being disputed. I don't need taken care of, I'm a independent woman on my own paying my bills for 17 years!!!! I didn't know there was a bill until it appeared on my credit report!!!!!!!!! Even if it was my bill, which it isn't, I don't have to pay a company that slanders me defames me and XXXX harasses me over a {$1400.00} bill. Who the XXXX XXXX XXXX XXXX XXXX XXXX * do you think you are?????? I don't need a man, I don't need a boyfriend, I don't need other people, what I need is for you to stop sending loan sharks to harass me in my car!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address isXXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. My name is XXXX XXXX XXXX please delete ( XXXX XXXX ) it is not my name. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to CRRG, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Consumer Loan

I disputed an account with American Honda Finance with the XXXX major credit bureaus and directly with AHF. The credit bureaus and AHF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

BlockFi has paused withdrawals and not honoring withdrawals done before the pause. 

On XXXX, I withdrew the amount of {$14000.00} in the digital currency XXXX on BlockFi they sent a ( clearly fake email ) saying it was canceled due to " not completing identity verification ''. I never received this verification. I was only sent texts to click a link if it was fraudulent or ignored and they would move digital currency to XXXX. Now I am unable to re-try the withdrawal due to the withdrawal pause. 

I made this withdrawal BEFORE BlockFi paused withdrawals for all my funds. This also included moving XXXX {$3800.00} and XXXX {$2200.00} to XXXX. These withdrawals have still not gone through but were initiated before the withdrawal pause they put in place. I'm guessing I will receive a " You did not complete the identity verification '' or some other notification to swindle me. 

I took a big chance on this company even defending them during these XXXX issues and they promised in online threads that our money was safe. I would just like them to honor my withdrawals.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with this matter