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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX subject : XXXX Block Request Pursuant XXXX Of the Fair Credit Reporting Act dear equifax legal, experian legal, and transunion legal I AM A VICTIM OF XXXX XXXX. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT, IS THE RESULT OF THAT XXXX i am writing to formally dispute in accurate information on my credit report that i believe is harming my financial well-being. I am aware of my of my rights under the FAIR CREDIT REPORTING ACT 605C and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, vas outlined by CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate informationbwithout explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpectuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
I AM A VICTIM OF XXXX XXXX  THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT, IS THE RESULT OF THAT XXXX Please review the Inaccurate Information being report : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX XXXX. DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. US DEPT OF ED/XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : XXXX XXXX XXXX, XXXX advising monthly amounts {$1700.00} not being reported and 2.Shellpoint Mortgage amounts {$1500.00} not being reported. I have the letters that was faxed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc.. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : 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 have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Checking or savings account

On XX/XX/XXXX I opened an online checking/savings account with Chime Bank. In the next few days I deposited around {$1700.00} into these accounts through a bank transfer from My XXXX XXXX account and from a few XXXX XXXX transfers. On XX/XX/XXXX I tried to check my accounts via my phone app, and was notified my account had been suspended. I immediately called customer support. I was told they could not give me any info on why my account had been suspended for security reasons, and I must email XXXX I emailed XXXX on XX/XX/XXXX asking what was needed to un-suspend my account. I received an email back asking me to send valid ID and proof of residency. I emailed back a picture of my drivers license, my passport, and the property tax bill for my home showing I own it. On XX/XX/XXXX I sent a follow up email asking for confirmation the Identification I had submitted was acceptable or what more was needed to allow me to access my funds. I never received a reply. I sent more follow up emails on XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX asking to please let me know what I need to do to get access to my accounts, and I still have never received a response back from them. They have left me locked out of my hard earned money for well over a month now with no explanation, and will not respond to me to let me know how to fix my account, and regain access to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from Portfolio Recovery Associates is listed as having a balance of {$450.00} on my credit reports. I disputed with them onXX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This account was paid off XXXX  2024. Since then XXXX, TransUnion and XXXX has updated the account as charged off for the month of XXXX  2024. 
They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.
Product: Student loan

As seen in the attached communication documents from Mohela, I have been placed on administrative forbearance as a result of legal delays against the XXXX plan. As strictly outlined in the document, I am not supposed to be charged interest during administrative forbearance. However, my loan balance continues to increase and is accruing interest has been added to my loan. I have not been able to get this fixed in dealing with Mohela. I would like my account to reflect the correct amount without accruing interest as it is supposed to be.
Product: Credit reporting or other personal consumer reports

There is a negative item reported on my credit report with different names of other persons .And I dont recognize how and why is reporting. This negative item doesnt meet the FCA reporting requirements. Other credit bureaus were able to properly verify this this account and was required to remove the account and how they were able to verify this account and they all have the same info. Delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding Bankruptcy - XXXX. In the reference number section, XXXX  is reporting the reference number as XXXX and court US BKPT CT NJ XXXX. XXXX  is reporting reference number XXXX and court US DIST CT, with no latest status date. And Transunion is reporting XXXX and court U.S. Bankruptcy Court. Now all three of these Bankruptcies can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Debt collection

Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I viewed my credit profile and saw that I had some hard inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to 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. I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

Originated mortgage in XX/XX/XXXX with XXXX XXXX. They sold to Fifth Third Bank, my XXXX insurance provider was notified but Fifth Third Bank never talked with XXXX to send them insurance payments from my escrow. 

As a result in XX/XX/XXXX I had to make payments out of pocket to XXXX to cover the insurance. When I called Fifth Third Bank, they said they couldnt do anything until XXXX communicated with them. I called XXXX and they also didnt know how to solve this problem. Now I am taking an emailed bill from XXXX, and submitting that to Fifth Third Bank in case it will help, which I doubt. 

If I hadnt been checking on whether Fifth Third Bank had paid my insurance from the escrow I have been paying for XXXX months ; I would have taken a credit score hit and accrued unpaid bill interest because of their incompetence. 

I believe Fifth Third is deliberately defrauding me with unfair, deceptive, and abusive servicing practices. They have billed me for Escrow until the false pretenses that those funds were being used to pay my home insurance as is typical. I suspect this gross negligence and system failure to service my mortgage might also extend to their correct calculations for principle, interest, and tax payments. This is a significant breach of fiduciary duty from Fifth Third Bank that has created inaccurate and delayed insurance billing. This egregious error has jeopardized my homeowners insurance coverage. 

I expect the CFPB to investigate this willful disregard for mortgage servicer obligations and make immediate regulatory intervention if deemed necessary. Because I have not been able to resolve this over several phone calls, I am forced to ask the regulators for resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually made disputes with XXXX, XXXX  and Transunion concerning the numerous names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. 
I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting or other personal consumer reports

This marks my 4th submission of a complaint, as I am diligently following up on my previous communication dated XX/XX/2024. I am disputing the remaining items in my credit file stemming from the crime of identity theft. I kindly request the expeditious removal of these items from my credit file. For your reference, I have attached my new FTC report with # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is Paid the account is paid in full called transunion to update the information never did
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX is inaccurately reporting information on my bureau reports : XXXX. I have requested information to prove whether or not this is an accurate account and they have not provided yet they continue to report it on my bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$460.00} ), DEPT OF EDXXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3700.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$950.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$970.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$17000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), DEPT OF ED/XXXX ( Opened XX/XX/XXXX, Highest Balance {$500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$20000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$15000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7500.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7700.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX .... Balance {$0.00}, XXXX XXXX .... Balance {$74000.00}, XXXX XXXX XXXX XXXX XXXX .... Balance {$0.00}
Product: Checking or savings account

I am reaching out to CFPB because during 2023, Mechanics Bank charged me excessive overdraft fees and daily continuous overdraft fees on my checking account exceeding XXXX and up. These fees caused a substantial undue financial hardship on me being able to keep up with the cost of living and being able to buy necessity items like food, medication, and pay for gas. I requested back in 2023 for my bank to please refund me my thousands of dollars back or at least half. I have been a customer for a while, and I work very hard for my money. I did not fully understand all of the overdraft. I am still hurting from all of the thousands of dollars that the bank charged me last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I do NOT want any name, address, XXXX, or date of birth other than what I listed in this letter to be retained or reported. Please, DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

Listed below are the Personal Information that are being challenged| : Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Incorrect Name : - XXXX XXXX XXXX XXXX - EMPLOYED Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in direct violation of FCRA Section 6802 ( a ). A financial institution may not, directly or through any affiliate disclose to a non affiliated third party any non personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. XXXX XXXX failed to inform Principal that it would be reporting Principals nonpublic personal information to a third party and failed to get Principals Permissable Purpose - 15 U.S.C.1681 ( a ) ( 2 ). Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. XXXX is illegally reporting this tradeline regarding transactions and experiences vioting principals rights under the FCRA and could be held for Fair Debt Collection Practices Act as well. I demand thus account be removed immediately.
Product: Bank account or service

Dear Sir or Mis In XXXX I received a new Business credit card from Bank of America because my old card was do to expire in XX/XX/2017. I activate the new card but then stripped the new card by mistake when I call Bank of America they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Bank of America web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Bank of America. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. 
My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Checking or savings account

On XX/XX/2019I XXXX XXXX XXXX been trying to open a Checking and Savings Account@ Chase Bank and for years I am unable to open a Account because, they tell me I have a Account Open, online, and I go to the Branch to solve this matter and still not done.