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

Im writing this letter in regards to an IDENTITY THEFT issue to let you know that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy of XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

I entered into a legal agreement with Ally, that the tradeline for my auto loan would be deleted from my credit profile with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.
Product: Mortgage

Ocwen Loan Servicing is listing a negative account on my credit reports. I do know that there is no law requiring Ocwen to submit any credit information to these credit companies. Owen and I are working together to sell this house which would benefit myself and Ocwen. 
Ocwen is not seeking money damages so there is no reason to keep this account on my credit reports. The mortgage was predatory from the start and has been a nightmare ever since. Because of this derogatory account on my credit report, I have been denied credit, bank accounts, employment, and proper housing. The CPA prevents companies from unfair, deceptive, and abusive acts. I am being treated unfairly and abused by Ocwen. This account is not REQUIRED to be put on my credit file so there is no reason other than to harrass me, that it should be listed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Transunion has failed to properly investigate and correct errors on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the agency continues to claim that the accounts in question are accurate and verified, even though my records clearly show numerous errors. 

I have provided supporting documentation, including copies of my credit report with highlighted discrepancies, yet the agency has not conducted a reasonable investigation as required by law. Instead, they have repeatedly verified inaccurate information without properly addressing my concerns. 
These errors are negatively impacting my credit standing, and the agencys failure to fulfill its legal obligation under the FCRA has caused undue harm. 

I am requesting that the CFPB intervene to ensure that a proper investigation is conducted and that the errors on my report are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX  for a bit and closed the account 6 months later. On my EarlyWarning it said it was closed for cause. I'm not sure why. I went in the bank and closed the account myself and never owed the bank any money. I'm trying to open a XXXX account so I have easier access to my money in XXXX but I can't open one with this EarlyWarning report.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit that Experian is refusing to remove despite the fact that they are not mine. I have sent disputes for almost an entire year now trying to get them to address my issue but my dispute is never processed properly. The accounts are a {$630.00} " XXXX XXXX '' and the other one is a {$370.00} " XXXX XXXX  XXXX ''. The other credit bureaus promptly deleted these accounts when I first sent disputes and they investigated and found the accounts are not mine. I do n't understand how Experian is the only credit bureau who is getting a different result for the same investigation that XXXX and XXXX did. Why is this account only being reported on Experian? I am including a section of a recent report which shows how these two collections are only reporting on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and my personal information is incorrect, I have misspelled names, address and phone numbers even my work history is incorrect. I have attached a letter with correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX XXXX/XXXX  XX/XX/2018 I have contacted XXXX to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My Transunion report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 *XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX  is XXXX XXXX XX/XX/2018.
Product: Debt collection

I received a notice on my credit report that I had a new collection from Lockhart, Morris and Montgomery that I owe the amount of {$340.00}. I inquired what this was as it states this is from a hospital that I was seen at in XXXX. I called XXXX XXXX  which is now known as XXXX XXXX and spoke with their billing department and they state that I owe nothing and have a XXXX balance. I asked XXXX XXXX about their collection agencies they use and if Lockhart, Morris and Montgomery is one of them, and they replied No. They collect in-house using their own collection department. They have never heard of this company. I then took it one step further and I called the VA and asked if they could help since I am seen at the VA and I am a XXXX veteran. The VA stated they can not speak with this agency as they are claiming to be a law firm. I do not owe this debt, the original place XXXX XXXX  now known as XXXX XXXX states I do not owe anything and I have no outstanding balance. 
If someone could kindly help me remove this as this is not okay to try to collect from a XXXX veteran. 
Thank you
Product: Money transfer, virtual currency, or money service

Im filing a Complaint against Cash App XXXX 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: Consumer Loan

DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CFPB
Product: Money transfer, virtual currency, or money service

I created a Venmo account back in XXXX to pay a vendor and had XXXX issues. I havent used Venmo since. On XX/XX/XXXX a friend paid me for something I sold him. The transaction was for XXXX. Once it arrived in my account I was not able to transfer it to my XXXX  XXXX account. I have tried using the customer service email to get response and resolution. After multiple waits of over XXXX hrs in response time of over XXXX different email exchanges, I was told that there was another account under my name with a debt. I have explained multiple times that I do not have another account and only use XXXX normally for my transactions. The customer service person told me that it didnt matter and until I was able to log in and settle a supposed debt, they wouldnt release my other funds. I politely asked for a screenshot or some sort of proof of this owed debt in which the XXXX  rep told me, I can not provide it but we know that it is the same person. I have all of this via email in XXXX and XXXX of them providing zero information and telling me that I need to figure it out on my own. I have XXXX access to any other account and they have and will provide XXXX help regarding this matter. I am XXXX XXXX XXXX  out trying to get a resolution and hoping that opening this complaint will help.
Product: Vehicle loan or lease

I had my account set up with Ally Financial on automatic payment. When my lease was up I extended my lease yet they they failed to notify the me that the auto-pay deactivated. 
I have always made my payments on time never being late the term of my lease.
Product: Credit reporting

Today, XXXX XXXX, I noticed XXXX reduced my credit limit after Transunion reported to them that my credit score is much lower than it was six months ago -- XXXX points lower. And I have never been late on payments this year. Or last year. This is a travesty, and I will get a lawyer to sue XXXX, and Transunion for doing this repeatedly over the years. I have hired an attorney previously who managed to get my credit score increased across the board to almost XXXX. Now XXXX score is listed as : XXXX. Absolutely mind-boggling. I 've had it! Gon na take legal action now. But CFPB should intervene here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card balance of {$5500.00} with Citibank, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to Citi. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on XXXX and it shows that I still owe a balance of {$2200.00} to Citi. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " XXXX  credit report - Citi bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.
Product: Mortgage

XX/XX/year> contact XXXX XXXX XXXX talked with XXXX gave me XXXX amounts XXXX and XXXX made payment on XX/XX/year> via UMB Bank same people as loan. 
Statement date XX/XX/year> states past due amount XXXX with assessed XX/XX/year> XXXX late charge says my current balance is XXXX on XXXX loan amount I called to get up to date and they have made more charges so I'm not with out reporting to me either way. My checking account is also with them, and they missed sending me my ATM card in time and now is expired and have no access to my account except going to the actual branch.
Product: Consumer Loan

Paid collection through one company, and they sold it again to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -ACCEPTANCE NOW # XXXX XXXX XXXX XXXX  XXXX 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 have contacted and notified all companies involved : XXXX XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.
Product: Bank account or service

Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.
Product: Checking or savings account

I was XXXX  from XX/XX/XXXX of XXXX  to XXXX XXXX. I called my bank from XXXX  on a recorded line and from my XXXX XXXX  to make them aware that any funds taking from my account besides XXXX which is XXXX  payments, would be fraud. From XXXX to XXXX of this year funds were stolen from my account thru a XXXX. This was not authorized and I did not make the XXXX  I was XXXX. I filed a claim XXXX times XXXX was stolen from me and chime awarded me XXXX and then took XXXX back from the same stolen XXXX  transactions. I have numerous recorded calls from XXXX  and a certified letter stating my XXXX  yet I was still denied my XXXX dollars. I should be allowed my money back and extra for having to wait. The law was clearly broken
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I discovered that Equifax had an incorrect birth date ( XXXX ) on my account instead of my actual birth date ( XXXX ). I informed Equifax of this error. To correct the problem, I was required to send Equifax copies of my birth certificate, driver 's license, social security card and U.S. passport. The Equifax online portal would not allow these documents to be uploaded - I had to mail these documents to Equifax in XXXX, GA. 

I mailed these documents as evidence of Equifax the following day, XX/XX/2022. 

Equifax closed the dispute on XX/XX/2022 without waiting for the documents and did not correct my birth date. 

Equifax continues to put incorrect information into consumers ' credit files without verifying this information with the consumer... but then expects the consumer to regularly check Equifax 's records and go through excessive steps to correct Equifax 's mistakes.
Product: Mortgage

To whom it may concern : I am writing to address the overdue balance I currently have on my Heloc loan with Santander bank. I had an Heloc loan with Santander in this past in which I paid off in good standings so I have decided to use them again.
I have been faithful in making all my payments on time. I make all my payments online when I receive my statement by mail. Im on a very strict budget with my bills and cost of living. There are no branches located here in XXXX. However, When I moved to XXXX from XXXX XXXX I updated my address with customer service department of Santander. I never received any of my statement to my new address and due to an error on their part. When I called Customer service in XXXX of 2017 their response was that they were missing information on the new address but never call to notify me until I called them on not receiving my billing statement in which we realize at same time that my account has been and currently is locked. At this point I realize that have a different payment amount and it is more than doubled on what I have paid in the past and they are calling me daily on when i going to pay the arrears on the loan.
I have been in contact with the bank several times on this issue and the statements and delinquency letters are still going to the old address at this very moment. I was told by a representative that I had to correct this issue with the branch where I open the account. I have even tried asking them for help by modifying the loan for an easier payment but I was denied.
Although I have made payments towards my loan but because of the new payment amount which is more than doubled along with late fees and penalties because of an error on their part has made it very difficult to catch it up. I cant afford to pay the entire bill at one time. Santander has done nothing to rectify their negligence but compound the problem by destroying my credit history to the credit bureaus and gather more information toward collecting the debt owed.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section XXXX states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 1681sXXXX ( a ) Section XXXX states : 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 recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. Ive contacted FTC and my local police. Im doing this myself. There are still items on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX.