23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lender : Bayview Loan ServicingLoan # : XXXX would like to report a fraud committed by Bayview Loan Servicing Company. 
My initial loan servicer was XXXX XXXX and I was working with them for the long time to get my loan to modify and get affordable monthly payment. I was provided them all required documentations. 
In XX/XX/XXXX, when I was in the process of loan modification review and trial payment plan, XXXX transferred servicing of my loan to Bayview Loan Servicing. According to the HAMP/MHA and Servicing Disclosures they were obligated to transfer all my financial documentations regarding my loan modification. But, as I found later, they did not provided to Bayview Loan Servicing copies of my bankruptcy discharge papers, which took place back in XX/XX/XXXX, and I was provided to the XXXX copy of this document. 
On XX/XX/XXXX, I was approved for permanent loan modification by Bayview Loan Servicing, copy attached. As per the instructions, I notarized XXXX copies, and mailed back to the bank, and began paying my new modified payment as of XX/XX/XXXX. All my payments were done on time over the telephone, and bank never told me that my loan modification is canceled. 
Suddenly I received a letter from Bayview Loan Servicing that my loan modification was canceled due to not providing to the bank prove of clean title, and I supposed to be still in the bankruptcy. I contacted the Bayview Loan Servicing and they told me that I never replied to their request to provide clean title documentation. I never received any letters from Bayview Loan Servicing requesting the prove that my bankruptcy is discharged. They told me that letter was sent to me by XXXX, but they could not tel me when or provide me with the prove of tracking number receipt. 
During the conversations with Bayview Loan Servicing representatives I was told that they do not care and my permanent modification is canceled, and my loan is referred to foreclosure department. Also, they returned my last payment through XXXX, XXXX XXXX XXXX, XXXX, copy attached. Bayview Loan Servicing representative told me to re-apply for new loan modification. 
I found this actions by Bayview Loan Servicing in violation of Bankruptcy Law, even if borrower in the bankruptcy the servicer is required to consider loan modification application without requiring you to reaffirm, or reinstate, your personal obligation on any discharged mortgage debt. 
I can not start this process again after years I spend to get my permanent loan modification. 
I 'm requesting to re-instate my permanent loan modification was approved and accepted on XXXX. I 'm requesting to re-instate all my monthly payment and bring my account current.
Product: Credit reporting

I was trying to get service from XXXX XXXX but when they ran my credit check ( I have a credit score & gt ; XXXX ), Equifax said that they could not verify my identity. When I went to all XXXX credit agencies to obtain my credit report, I was able to do so at XXXX and XXXX but not at Equifax. The Equifax website again said that they could not verify my identity (!!! ). Now I have to send in XXXX forms of identification by mail to get them to review and correct the problem. Meanwhile, the promotion for XXXX is going off and I will end up paying XXXX of $ $ $ more because of Equifax 's mistake. This is not fair and it should not be legal. Equifax should have to pay for their mistake, not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart network inc obtain and accessed a copy of my XXXX consumer report without my written authorization. I never gave this company authorization to XXXX  a copy of my XXXX consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report from each of the four major credit reporting agencies ; lexis nexis, XXXX, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to updating my address along with my phone number in all 3 credit agencies. I have tried to figure out how to do it but can't and seem to get no help when I call. All I am asking is that my address and phone number be put on my credit report and all fraud and freezes be removed from my credit reports.
Product: Credit card or prepaid card

I have a {$100.00} debit card. I tried to use it before but transaction couldn't go through. I tried to call them to resolve this issue and they just told me, the card expires yesterday and all the {$100.00} inside the card is expired, they couldn't do anything about it, which is very unreasonable.
Product: Credit reporting or other personal consumer reports

fraudulent inquiries and name on my credit report, and the credit bureaus are reporting it without a permissible purpose. The inquiries and name are listed below : XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX.
Product: Checking or savings account

I initiated a wire transfer to an account that belongs to me and is in my name of XXXX. The transfer was canceled by Goldmansach stating the funds hasnt been in my account long enough to send to a different account. So they canceled my transfer and froze the funds and wont release them. They then told me they could sent the funds to another bank when I told them the account I sent the funds from was closed which is why Im sending them to a different bank. After doing a 3 party calm with the bank the funds were originally sent from and verifying the account was closed they still refuse to release the hold on my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report for the past year! My lawful rights have been violated by Experian, XXXX, And XXXX. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response. 

After submitting my complaint I have received another stall letter from Experian! I have submitted all identification documents and disputes and they still have not removed this inaccurate information from my credit report. It is causing injuries to me! I have been able to purchase my home.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX Account # XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also establishes a The consumer reporting agency can not provide an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following account was part of my XXXX XXXX Bankruptcy and was discharged on XX/XX/XXXX. Since this account was still being reported to the credit bureaus as of XX/XX/2023, I had a conversation about it with one of your representatives last month. However, since XX/XX/2023 it was reported as current up until XX/XX/2023. Now, its being reported as " Charged Off ''. I filed the XXXX XXXX  XX/XX/2023, then ceased payments. The credit bureaus shouldn't receive reports of " Charge off '' from accounts included in XXXX that they are reporting. 

United States Bankruptcy Court Case # XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to have Experian explain to me why there is such a great disparity in the credit score they show for me and the one 's the other two agencies are showing with no success or answers. 
The last straw was this month when my score actually went down after a hard inquiry fell off!!! My score with Experian was XXXX, but today it is XXXX. XXXX has me at XXXX and XXXX is showing XXXX ( it will update on XX/XX/XXXX ). 

Why is there such a vast difference in my credit score with Experian? Is this Legal? My credit usage is very low, my payments, on all accounts, have never been late. I have attached a copy of my credit scores as of XX/XX/XXXX. As a consumer who works very hard to maintain my deserved high score this is very stressful. There is absolutely no reason my score should be in the XXXX 's. And to add insult to injury ... to have them drop my score instead of increasing it after an inquiry falls off is totally ridiculous! I have been trying to purchase a new automobile but have been waiting on Experian to rate my credit fairly. Please assist.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$140.00}
Product: Credit card

I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnionLegal Department XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries I hope this message finds you well. I am writing to formally dispute several unauthorized credit inquiries on my credit report. This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), and I respectfully request that you take immediate action to investigate and resolve the matter. 

Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute : Section XXXX ( 15 U.S.C. 1681i ) I have the right to dispute any inaccurate or incomplete information on my credit report. These inquiries are unauthorized and should be considered erroneous. I kindly request that you investigate the disputed inquiries and provide me with a resolution. 

Section XXXX ( 15 U.S.C. 1681g ) Under this section, I have the right to access all information contained in my credit report, including the inquiries that have been made. After reviewing my report, I have identified the inquiries listed above as unauthorized. 

Section XXXX ( 15 U.S.C. 1681b ) This section details the permissible purposes for which a consumer report can be accessed. I did not authorize any entity to make these inquiries, and there appears to be no permissible purpose for their inclusion in my credit report. 

Additionally, pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), it is well-established that the FCRA requires XXXX compliance with the permissible purposes for credit inquiries. Unauthorized access to credit reports is a clear violation of this provision, and any inquiries that do not meet the criteria of section XXXX must be removed. 

Furthermore, XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) reinforces the responsibility of credit reporting agencies to remove unauthorized inquiries, as they have a duty to ensure that their reports are accurate and comply with the permissible purposes under the FCRA.
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 violated 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 account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations 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

This account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent and inaccurate. I have attached a FTC report, also I have attached a 15U.S.C 605B letter. Also I have attachment 15U.S.C 1681i ( a ) 1 and 15U.S.C 1681i ( a ) 6 ( B ) 3. Please block or remove this fraudulent account form my consumer report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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

My information is on the dark web, and somehow, somebody opened an account in my name and got a loan or something. I need my government to help me just remove this from all 3 credit bureaus. I want nothing!. The name of this company is MONEYLION. I've never heard of them until the alert came from XXXX credit bureaus. Need to find where they deposited the money, AND what ID they used!! Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Alliant Credit Union XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am no longer an Authorized user on this account. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX reporting AS INQUIRIES to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Product: Debt collection

XXXX XXXX XXXX has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from Advance America so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to be able to get good rate to move into a better home but because of these fraudulent items on my report they are deterring my way of living and getting to a better lifestyle for me and my family. I have tried several times with these companies and they are refusing to remove the information. Please remove the following. 

XXXX - XXXX this account was never mine nor did I authorize this to be open or used my information without my consent. I have sent several request and they refuse to remove this. 

XXXX - XXXX - The information that is reported is inaccurate
Product: Debt collection

I had an account with XXXX that went to collections with seqium assets solutions. I called to settle the debt and the collector was very helpful. She said that if I did a payment plan with them that they would credit the account and the account would show settled in full for less than the full balance. My final payment was in XXXX. XXXX is still reporting that I owe XXXX dollars on the account and is refusing to work with me. They told me to call seqium, which I have, multiple times. They have stated that they have no idea why XXXX would report this way and that theres nothing they can do, that XXXX authorized the settlement. This is completely unfair and I have been given the runaround.