23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me This negative item shouldnt be on my credit report
Product: Checking or savings account

Account was closed due too overdraft fees /OOPs program
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ( 3 ) CREDIT AGENCIES REPORTING ERROR OF ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX '' / AUTO LOAN
Product: Credit reporting

Late payment when it was submitted. Unfair I made the payment on time they did n't pay it on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion. looking at data involved information is inaccurate. please review and delete all files to help clear my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX BALANCED {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am refinancing my primary residence in Florida. On XX/XX/XXXX my loan officer submitted a lock extension request for 5 days at a cost of {$2200.00} ( .375 % ) because my lock expired on XX/XX/XXXX and we weren't going to make it with the 3 day rescission period. The loan was cleared to close on XX/XX/XXXX. I printed and wet signed the attached documents. We are now on Wednesday XX/XX/XXXX and I have still not received the closing disclosure and the bank is asking me to pay an additional extension fee of 1.125 % ( {$6600.00} ). The account executive at Acra lending has been telling my loan officer that this will be handled but time keeps going by and nothing is being done. The company is clearly deploying bullying tactics and delaying the process by saying they are short-staffed as if that is customers ' problem to pass on their inefficiency cost to the customer.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updaed copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

I'm Filing against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates 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. Futhermore, 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 cause significant inconvinence and financial loss and I seek appropriate redress for these violations.
Product: Consumer Loan

I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau
Product: Checking or savings account

Hello, I Deposited a {$400.00} check via the US Mobile app on XXXX the XXXX 2022 and per an email I received from them the check was accepted and partial funds would be available immediately, which was {$250.00} and the remaining in a day or two. Once the deposit was submitted i checked my account and the {$250.00} funds did show uo in my account and everything looked fine. The next day i try to use my card and i couldnt. I go online and see i only had {$5.00}. On my account they {$400.00} check deposit still showed and it looked find but for some reason it was beinh withheld. It is now XX/XX/XXXX and US bank hasnt had the idea to notify me about what happened to my check deposit. I find that very shady and very unprofessional for them to hold my funds without any explanation, like who do they think they are? And i can confirm the check already cleared yet they are holding MY MONEY. Please help
Product: Credit reporting or other personal consumer reports

Transition, XXXX, XXXX all shared my personal information without my consent. They sided with wrongful debt collectors, when i disputed the accuracy of my reports. I have no FFA agreements with either group, and I have been personally harmed because of these false reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second SS number show up on my only on Equifax account along with addresses from another state and two no payed bills that lowered my credit score by XXXX points I complained twice with Equifax and they got rid of the alternate SS # and wrong addresses but said the bills were correct. I called both companies that had the bill and they had no clue about the bill. I'm guessing Equifax is getting paid by bill collectors to post on accounts.
Product: Bank account or service

My only income is XXXX XXXX ( XXXX ). I bank with Navy Federal. On 5 separate occasions they have taken from my XXXX money to pay for my overdue credit card account. No other money is deposited in my account except for XXXX. This month they took money that I needed to pay the rent, and I could be evicted in the next few days. I have repeatedly told Navy Federal that all the money in my account is from my XXXX XXXX but they are tone deaf to my pleas. I thought it was illegal to take XXXX money for unrelated credit card accounts. Please help me.
Product: Credit reporting or other personal consumer reports

Over 2 years ago I reported that they have a lot of incorrect information, even my birthday. They still haven't corrected it. Additionally, since their info is wrong they won't pass me on the questions they ask. I can't even look at it anymore because when I log into their website to request a credit report, it gives an error. I've called in multiple times over this.
Product: Debt collection

I changed cell phone companies from XXXX to XXXX XXXX XXXX. Walked both XXXX devices into the store and returned them to a store representative. I was given a receipt for the devices. I received a XXXX bill for XXXX showing the devices on the bill. I followed up and called XXXX customer service advising them of my store visit and the return. XXXX advised me to allow more time for the devices to be credited to the final bill. I stated i wanted to pay the bill off as soon as possible and needed to exact amount due. XXXX and I went back and forth. I received a phone call from a collection agency XXXX stating the debt had been sent to them. I submitted my receipts and they sent the account back to XXXX. XXXX failed to update the information instead selling the account to another collection agency Diversified Consultant. I spoke with a representative for diversified onXX/XX/2019 who stated the debt. I asked to be sent a me out the bill and breakdown of the debt. I advised him was disputing the debt as the amount was not correct. I did not receive the letter until XX/XX/2019. I sent a dispute/validation letter certified mail on XX/XX/XXXX that was confirmed by Diversified Consultants to be received on XX/XX/2019. I received notification that Diversified Consultants ignored my dispute and reported to the collection agencies the debt on XX/XX/2019 dropping my credit score. I am disputing this debt because I do not owe it. I have disputed this debt ; therefore, until validated Diversified Consultant knows the information concerning this debt is inaccurate and had a duty to not report inaccurate information to the credit bureaus.
Product: Debt collection

I continue to receive email threatening to notify my employer and of lawsuit for a debt I do not recall ever taking. I am represented by an attorney in chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

I recently received about XXXX hard inquiries on my credit that i do not recognize The enquirers are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION BUREA is required to remove account not later than 4 business days after the receipt. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

1

5 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX - {$720.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : This letter is in response to your recent claim that XXXX XXXX ( XXXX ) verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.
Product: Credit reporting or other personal consumer reports

This is my repeated attempt to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my document appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Please take down any information that appears to be related to extortion or fraud from my credit record, assuming that this is of no concern to anyone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, TD Auto did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

TD Auto XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$19000.00} TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$68000.00} XXXX due : XXXX and XXXX $ XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is to have a fraudulent Hard Inquiry removed from my credit report on the three major credit reporting agencies ( XXXX, XXXX, XXXX ) as well as the consumer credit and verification company that processed the Hard Inquiry ( Factual Data ) and then provided that information to at least the credit reporting agencies listed above and possibly others that I am unaware of. 

I was notified by a bank with which I do not currently do business ( XXXXXXXX XXXX  ) on XX/XX/2022 and informed that a new bank account had been opened under my name and SSN. Fortunately the bank employee felt that it was suspicious so they called me to discuss the matter, and then closed the same account due to the believed fraud. They also warned me that the perpetrator had all pertinent personal information including SSN, XXXX XXXX  #, etc. 

Since that contact I have continually been contacted/informed of ongoing additional activity to include multiple mortgage refinance accounts in process at numerous lenders. I have also received credit monitoring information on a hard inquiry under my identity, and in contacting them have since learned that there are additional potential attempts to process applications for bank accounts, credit cards, etc. 

I have since received phone calls and mailings under my name ( XXXX XXXX ) and SSN which indicates my identity and SSN has in fact been breached and is being used fraudulently. 

My wife and I have also now been receiving phone calls and mailings under just her name ( XXXX XXXX ) and SSN to include completed mortgage refinance applications being attempted, also indicating that her identity and SSN has been breached and is being used fraudulently. 

This activity continues to be ongoing still, with the latest being last night when she received a completed thick multiple page mortgage application to be signed, and also a voice mail this morning from an additional different vendor to discuss a mortgage refinance being processed under just her name and our address.

The Hard Inquiry on both of our credit reports occurred on XX/XX/2022 by Factual Data credit reporting agency. I contacted them on XXXX to dispute the inquiry and have them remove the inquiry from all three of the major credit reporting agencies. They indicated that they would start the review process to do so, at which time that also told me that I should contact the CFPB and start the process here as well. 

I have started a crime incident report with local law enforcement ( XXXX XXXX XXXX Colorado ) and was told that the process may take some time as well. They did provide me with a Fraud/Identity Theft Incident Report tracking number which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
Product: Debt collection

Date account closed XX/XX/XXXX date of last payment XX/XX/XXXX but shows c/o Serious amount of charge offs added as updated payments to account Date XXXX delinquency XX/XX/XXXX how is account reporting only 10 months old? 
Violation. XXXX MISLEADING DECEPTIVE REPORTING Historical pay history. XX/XX/XXXX thru XX/XX/XXXX is missing? Why. 
Violation XXXX INACCURATE OR INCOMPLETE Daily balance - {$26.00} on a closed account? How? 
violation XXXX MISLEADING, INACCURATE REPORTING Received multiple letters and previous disputes came back VERIFIED when information has been false. Violation XXXX HARRASSMENT XXXX WILLFUL NONCOMPLIANCE REMOVED FROM XXXX XX/XX/XXXX REMOVED FROM XXXX FOLLOW UP XXXX # XXXX