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

I had a credit card with Bank of America that was closed in XX/XX/XXXX when I left to join the Military. Upon closing the account I paid the account off in full, and Bank Of America is still reporting the card 30 and 60 days late on my credit report. Upon calling Bank Of America, they claimed they can't fix it because it occurred greater than 12 months ago. These late payment 's don't show up on any other credit report aside from the tradeline pulled to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question  should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Product: Debt collection

I have received multiple phone calls from different phone numbers all trying to collect debt from the same credit card. I was told when I signed up for the card that I would receive my card in the mail within two weeks, the card never arrived. ( this was in XX/XX/XXXX, I still have not received the card and it is XX/XX/XXXX ) When I called to ask about this issue, the company tells me that they do not send cards until the account is up to date on payments, this was in XX/XX/XXXX when I called. This seemed fishy and not normal to me. I told them I was told when signing up that the account would not be due until the card arrived, they then told me this " they don't send the cards until it is up to date ''. I asked how can I make a payment then, they told me I must call in and pay over the phone. I was not comfortable with doing that, but I scheduled a payment anyways, which was never taken from my account and therefore the payment was never made. I tried to schedule another payment a month later and this was also never taken from my account. I took this as being scammy and annoying so I did not reach back out to attempt to make another payment. Since then, I have not made any payments or received any mail with bills from this credit card. I have been receiving calls from this company over multiple phone numbers for months, multiple times a day ( usually around 10 times a day they will call and leave voice mails ). Lately they have been leaving voicemails advising me to get a lawyer, so I assume they are going to be suing me or sending the card balance to collections. The total amount on the card is around XXXX. The company name is Comenity Bank, the card is for XXXX.
Product: Money transfer, virtual currency, or money service

I m 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 for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX  and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, US BANK never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but US BANK repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact US BANK, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with TransUnion and XXXX.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XXXX XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the Equifax date breach.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of the recent data breach involving Equifax. Due to this breach, I am requesting that all accounts mentioned in my credit report be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ). The fraudulent information associated with my identity theft has caused significant harm to my credit, and I expect immediate corrective action. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that these accounts and inquiries be blocked and permanently deleted from my credit file. Failure to comply with this request will leave me no choice but to pursue legal action. If these fraudulent accounts and inquiries are not removed promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

To ensure compliance, I request written confirmation by [ Insert Date : Four Business Days from the Date of this Letter ] that the fraudulent accounts and any related unauthorized inquiries have been fully removed from my credit report.

This matter is both urgent and time-sensitive. You are now officially on notice. Immediate action is required to address this issue and protect my credit. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted all of the proper documentation to Equifax more than once. I have additional documentation that I have sent in as well. Whenever I call for an update, I'm told I will hear back within 24-48 hours. No one has reached out each time ; I call in and get the runaround. Each time I call, I submit additional documentation with a rep on the phone via an email link they send. All they say is. " the department needs more information. '' There is no specialist to speak to, no one to ask what they need, and no one to confirm anything. My XXXX XXXX adverse data has been appropriately removed from other credit bureaus because I have provided all the necessary documents for you to do so and have given the same information to Equifax since XXXX. The reps I speak to say there is no one in the investigation department to speak to ever. I have not been provided with a single point of contact nor proper assistance with this being resolved in a proper amount of time. 

XX/XX/XXXX multiple times XX/XX/XXXX multiple times
Product: Mortgage

I am complaining again about Specialized Loan Servicing who processes payments for my loan. My loan is an adjustable rate and per the terms of the note the payment was to increase due to the increase in the interest rate. 

However, instead of increasing my monthly payment decreased as did my amount paid towards principal. 

This company is inept. I have mailed them a letter stating the issues. 

XX/XX/XXXX is when the new monthly payment should have increased. 

Can you please help in this matter? 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a text message saying that my payment for XXXX is due on the XXXX. I was confused about it so I logged into my affirm account and seen the loan from XXXX was approved and processed on XX/XX/XXXX. Before I got in contact with Affirm, I looked at my XXXX account ; and only two orders were in XXXX : one order was paid with a EBT card and the other was for {$62.00} before I returned two of the items in that order. I called Affirm on XX/XX/XXXX and explained what was going on and was told that an official investigation will be done and that they will need any evidence I had. I went back to my XXXX account and took screenshots of my orders ; I figured since the loan was processed on XX/XX/XXXX yet my very last order from XXXX was done on XX/XX/XXXX and the payment was made with a EBT card, this whole thing would be to solve right away. I called Affirm again the next day explaining my situation again because I sent in proof but didn't know I had to put down all the details and the person I talked to didn't officially flag my account. On XX/XX/XXXX, my account was officially flagged and I resent my proof as well as stated the official loan ID ( XXXX ), the original amount and interest ( {$430.00} + {$110.00} ), and the last time I used my XXXX account XXXX XX/XX/XXXX ). On XX/XX/XXXX, Affirm sent me an email stating that after looking at my evidence I am responsible for the loan and to make payments right away, if it's a mistake ; fill out the affidavit form and add any other evidence. I called Affirm again and was told that the investigation was still pending and if I fill out the affidavit it'll make everything go faster. I filled out the affidavit, sent in the screenshots of my XXXX account, and decided to take a screen recording of me logging into my account and going to my orders ; all of that was sent to Affirm the same day ( XX/XX/XXXX ). XX/XX/XXXX I called to see if it was received and was told yes. On the dates of XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and the XXXX ; I've called Affirm to see if there were any updates on the investigation, why am I getting emails that consistently states that if I don't make a payment my credit score will drop, why am I getting multiple calls every day from different numbers, etc. And all I was told throughout those entire times was that the investigation was still ongoing, the only way to stop the emails is to make payments, they will send me something in the mail ( whichthey never did ), and the the calls isn't coming from them ; they're scams. On XX/XX/XXXX, I received another email from Affirm saying that the investigation is done and I had to pay the loan. I called Affirm AGAIN asking how did they come to that conclusion even after I showed them evidence ; she didn't have an answer and told me that there's a separate part in Affirm that deals with this. I was transferred to her manager and explained everything AGAIN and was told that she will do another investigation and mark it as urgent.I haven't heard anything back from them since.
Product: Debt collection

The collectors from Upgrade call my phone at least times a day, EVERY DAY. The first call typically comes right after XXXX and the last call usually comes about XXXX. There is another one or two calls midday. This has been going on everyday since XXXX or XXXX. This calls always coming from a XXXX number XXXX ( XXXX ) XXXX
Product: Credit card

I filed complaint XXXX. Commerce Bank agreed I should not have been charged interest. They have stopped charging new interest but have not credit me for the prior interest charged, including compounded interest.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report and failure to properly investigate prior disputed accounts. This a direct violation of the FCRA. Despite me providing the necessary documentation to prove inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA. Which includes ensuring the maximum possible accuracy of my credit report ( 15 U.S.C. 1681 ( e ) ( b ) ) and conducting a proper reinvestigation to remove the errors within the 30 day period ( 15 U.S.C. 1681i ( a ) ).
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 Name : XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) ( 5 ) 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. 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: Credit reporting or other personal consumer reports

SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH THE FTC IDENTITY THEFT REPORT AND DOCUMENTS OF PROOF OF MY IDENTITY
Product: Mortgage

Aloha, The problem is very simple, I suspect that the payoff demand that I received is a {$170000.00} too high. I have made 5 attempts since XX/XX/2023 to reconcile this situation. I've talked to three different departments, one of which is the " archived '' department, which apparently has no phone number and no response to emails. As of this date, I've never received the documentation that I requested. Now that time has passed and my suspicions are raised, here is the detailed list of what items that are needed to resolve this situation- 1 ) Complete copy of all pages of the loan modification agreement 2 ) Detailed breakdown of how the new loan amount was reached on said loan modification agreement ( line by line of every amount from the day of default to the day the loan modification payments started again ). MAKE IT LINE BY LINE AND DON'T LEAVE ANYTHING OUT! THAT INCLUDES ALL TAXES, ESCROW ACCOUNT ADVANCES AND ACCUMULATED INTEREST. 
3 ) With regards to the amount owned during the forbearance agreement period, I need to know the amount from the day we entered the forbearance period to the day the new payments were started ( with all taxes, escrow account advances and accumulated interest ). 

We sold this property in XX/XX/2023, which is when we received the payoff demand for the {$170000.00} overcharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.
Product: Credit reporting or other personal consumer reports

The original balance was {$5700.00} but {$2800.00} was charged off due to my financial situation via XXXX.The XXXX accounts that's being reported are the same account number but {$1.00} difference in balance ( {$2800.00} & {$2800.00} ). Can you also delete the duplicate account. Please see attached accounts reporting to equifax.
Product: Checking or savings account

This Complaint is against Wells Fargo Bank ( Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX. ) Request to ammendment credit bureau inquiry dated XX/XX/2023. Dispute ID # XXXX My XXXX Credit Report shows another WF Fraudulent inquiry dated XX/XX/2023 from W.Fargo. I have been experiencing Identity theft for 15 months thus far. I've asked W.Fargo to fully remove this Fraudulent Inquiry from my XXXX Report. 
Their response : we have contacted the Customer Reporting Agencies to request an adjustment to your Credit Report. This inquiry will be reclassified so that it is not reported to other requestors of your Credit Report. In accordance with the requirements of the Fair Credit Reporting, all inquiries will appear on your report for up to two years. 
This is not good enough!!! This is a Fraudulent Inquiry and I want this FULLY REMOVED FROM MY CREDIT FILE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert activity from my monitoring service XXXX XXXX. 
I checked the alter activity and found on XX/XX/XXXX someone had tried to apply for a Capital One credit card in my name. I have not applied for this card neither have I given authorization to check my credit. I called Capital One first. In which they are the ones or any creditor would have to investigate to see if this inquiry belongs to me. They asked for my SS #, Name, and Address. Looking at my file they found no SS #, Acct. # or Address that was applied on XX/XX/XXXX. I asked them to remove it immediately from all 3 credit bureau 's and from my inquiries from all three. 

I have called them all back and forth in regards to this problem. And they all want me to write letters to all going to the fraud department and this is unexceptable. 
I want all 3 bureaus and Capital One to delete this inquiry off of all 3 bureaus. For when I called Capital One they agreed that I don't have an account with them. I have no receipts, documents, photo 's only thing is it is on my credit report showing that I applied for a Capital One credit card and I haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. 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 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: Debt collection

There is an account that does not belong to me being wrongfully reported into my credit profile. I have attempted to solve thos matter with creditor and have been unsuccessful at receiving requested documentation to validate account ownership.
Product: Credit reporting, credit repair services, 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 name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 ) ( 5 ) 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX I disputed with XXXX but they denied my claim.