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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Credit card or prepaid card

Hello, I am nothing less than shocked at what I have just encountered with Avant Credit Card XXXX. It is something out of a fraud discovery documentary. 

I paid my balance off of {$2800.00} on XX/XX/22 and then closed the account. I logged into my account XXXX before I was going to delete the shortcut because I CLOSED THE ACCOUNT. I found that there was a balance of a {$6.00} in interest charges on my account posted on XX/XX/22. I was NEVER informed of any payment due by mail or email. Then they proceeded to charge me interest on the interest and a late fee of {$6.00} on XX/XX/22 which doubled my balance and I was still never notified of any balance owed in any way. This is loan sharking. 

After my second phone call, the late fee was waved. Then I was forced to make a payment of {$7.00}, which included the interest on the late fee that was waved, in order to avoid further late charges and interest. This is essentially extortion. 

When I contacted the company multiple times I reached a service out of the country that only quotes policy. They waved the late fee only after speaking to several people and wasting a lot of time. They also did not understand the math of me having paid interest on the late fee that they just waved. XXXX person actually said to me that I was not sent a paper notification because I was on e-statement. That was after I explained several times that I received no notification of any type and that at the account was closed as was even indicated by their app/website. 

I confirmed on XX/XX/22 that this account was reported as delinquent to the credit bureaus This is a very serious matter. Something needs to be done to correct my credit report and penalize this company for its predatory practices. The entire time this was happening this account has been closed. If I had not checked, they would have continued to increase the balance with late fees and interest and continued to negatively impact my credit ; all without ever notifying me.
Product: Debt or credit management

In XX/XX/XXXX, I entered a debt management agreement with Beyond Finance. At that point I has approximately $ XXXX in unsecured debt. I was told that with a fee that they could reduce or elimate my debt with each creditor entered into the program. I made biweekly payments to the secured account that was set up for me. They used these funds to negotiate with each creditor. In XXXX of XXXX I was being sued by XXXX of the creditors and Beyond did not move faster on this debt when I requested, stating I did not have enough funds in my account to work with the creditor that sued me. In the initial court appearance the creditor offered me an extension to get Beyond Finance to contact them. After mant phone calls to Beyond, at the end of XXXX they said I " graduted '' with Beyond and the remaining debt would be moved to a personal loan at XXXX XXXX. With this loan they stated it was the only way to get the creditor that sued me paid promptly. Being up againt a wall to avoid having my wages garnished I took the deal. I now have debt in the amount of approximately $ XXXX with XXXX XXXX in which the deduct around {$380.00} out of each XXXX of my paychecks automatically. Needless to say the accounts that Beyond Finance did settle are now sending XXXX debt forgiveness to add to to my income for taxes. This was never discussed as now I will owe a lot of income tax with the IRS. All of this has kept me in debt to no end. I've paid fees to Beyond to negotiate my debt that I essentally still XXXX pay an very high interest rate to XXXX XXXX and have them essentially garnish my wages each payday ( which is what i was trying to avoid ). I have requested the interest be reduced as I have never missed a payment and the prime rates are starting to go back down to which they replied they don't do that. Now I owe income taxes on debt that was supposed to be eliminated. As I pay this loan I will esstentially pay taxes on it for may years. My only alternative will be bankruptcy which I do not want to file. In essence this company has kept me in debt for the foreseeable future which is what I was trying to avoid. To make matters worse my credit score has not improved as they said it would XXXX I received the XXXX XXXX loan. Please help me and others that have mislead by this company and probably others. Thank you for your condideration.
Product: Credit card or prepaid card

Received a Brinks Netspend Prepaid card saying I have previously been their customer - which I have not ( as of the writing of this I will be XXXX  tomorrow XXXX and have never had nor opened any prepaid card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


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

Newrez/Shellpoint sent me a letter dated XX/XX/2023 saying theyve paid my homeowners and now have a new bill from another company. I have no idea what they are talking about, but I suspect theyve confused the forced-placed insurance they purchased when they allowed my XXXX homeowners policy to expire, with the XXXX homeowners policy that I had in place since I purchased this home. 

This company is so hopelessly incompetent they should not be allowed to service loans. 

I dont want their forced-place insurance. I want them to pay my XXXX insurance and correct the mess they have made of my escrow account. 

As of today, XX/XX/2023, Newrez has STILL not paid my homeowners insurance which was due in XXXX. 

Please help! I am at my wits end with Newrez.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian. XXXX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
Product: Debt collection

Open an online dispute with the company notifying them I am not the owner of this account. I am a victim of identity thief, which as a result causes me to have to receive a letter each year from the IRS with a pin to include with my tax return. The company have not provided me any information on this debt except a billing statement. I have repeatedly told the company this debt is not mine
Product: Checking or savings account

Wells Fargo in XXXX to XXXX Nearly XXXX missing through out the years
Product: Payday loan, title loan, personal loan, or advance loan

This company is accusing me of applying for a credit line that i never did. This inquiry is reflecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer, am submitting this complaint on my behalf, there is no third party involved. I logged on to review my Transunion credit report to find multiple inquiries that I did not authorize. I understand that federal law XXXX XXXX XXXX ( a ) states written consent is needed for these inquires to be furnished which there was none. No consent is identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items listed on my credit report. Along with my dispute letter, I provided all necessary identification documents to verify my identity, including copy of my photo ID, social security card, and a recent paystub displaying my current address In my dispute letter, I explicitly requested the following information from Experian regarding the verification process : Details on how the disputed item was verified. 
The date when Experian contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ).

Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Sec

urity Number, address, and date of birth during the verification process. Despite providing all the necessary documentation and
clearly outlining my concerns, I have not received any results or updates from Experian regarding my dispute. It has been over 30 days since my submission, and Experian has failed to communicate any resolution or progress. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information on their credit report. Experian 's lack of response and failure to act on my dispute constitutes a clear violation of my rights under the FCRA. 
I am including a copy of my dispute letter sent to Experian as proof.
Product: Money transfer, virtual currency, or money service

I am filing complaints 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report by your agency. I have identified multiple instances where there have been unsuccessful attempts to remove late closed accounts, including bankruptcy and public records, from my credit history. I am concerned about the accuracy and completeness of my credit report, and I believe that these errors are negatively impacting my creditworthiness.

Despite multiple attempts to rectify and remove the late closed status, the account continues to be reported inaccurately.

Despite submitting necessary documentation to demonstrate the resolution of the bankruptcy, the record persists on my credit report.

I have attached supporting documentation, including letters of dispute and evidence of resolution, for your review. I kindly request that your agency conduct a thorough investigation into these matters and promptly update my credit report to accurately reflect my financial history.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report. I expect your agency to adhere to these regulations and take the necessary steps to correct these inaccuracies promptly.

Additionally, I would appreciate regular updates on the progress of the investigation and the actions taken to rectify these errors. Please provide a written response within 30 days of receiving this complaint, as mandated by the FCRA. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit card or prepaid card

In XXXX of 2021 someone opened a fraudulent business account in my name. They created a DBA account and then went to Chase bank and got a credit card for the fake business. They charged around XXXX XXXX dollars. About 6 months later, my credit report dropped over XXXX points. After a few calls to Chase we figured out what had happened, I told them this was fraud and they reversed the charges and removed it from my credit report. About 3 months later, Chase went ahead and put the charges back onto my credit report. When I called them to clarify ; I was told that the account was opened in person and I was responsible. I contested the charges sent them proof I was working until XXXX that day, and was probably asleep when this happened. I sent them pictures of my ID and other information. I never heard back from Chase. When I called them again a month later, they said they investigated and I was responsible for the account. They have never disclaimed how they investigated or how they determined I was responsible. When asked if they have the ID from the person who opened the account they said they don't require an ID to open an account. I provided my ID, and my signature does not match that of the account that was opened. They just talk in circles and say I am responsible, never providing any proof. They told me where the DBA was opened, and I should contact them. I asked why didn't they do it, being a big financial corporation and they said it's not their job. They also told me that the account was being paid up until a few months ago. I asked why don't they go after the account that was paying the charges ; they said I would have to investigate that. They are a bank, can't they figure out who was paying for the charges. They have now sent me to collections, even though they have never once contacted me, or provided me with any writing of a default account. When I asked who they were sending statements to, they said they had no email address linked to the account. Consistently they have been rude, disrespectful, and refused to help. I am always the person contacting them, trying to solve this cause of fraud, and they just stonewall me, when it would be much easier for them to solve it.
Product: Checking or savings account

95 fraudulent transactions were made against our checking account totaling {$4100.00}. An individual hacked my online account, changed my address and ordered a new card. This happened on XX/XX/XXXX. I called my bank, Chase, on XX/XX/XXXX as soon as I realized the situation. I made a claim against all fraudulent transactions thru XX/XX/XXXX. I then called again on XX/XX/XXXX and claimed the rest of the fraudulent transactions that occurred. 

Of the {$4100.00}, Chase deposited {$3800.00} into my checking account ( {$280.00} than the reported fraudulent total ). Subsequently, on XX/XX/XXXX and XX/XX/XXXX, Chase debited {$2500.00} from my account. 

All transactions occurred in a foreign country. During this period, I and my wife were at home and we provided evidence of this to Chase via a signed letter from our employer. Chase indicated that was not sufficient and they needed video footage from our place of employment to evidence that we were there. During the period, there are legitimate transactions made in our home town that also showed that the card was present, yet Chase has indicated we have not proven the disputed transactions were fraudulent. 
Since first reporting the fraudulent transactions, I have met with Chase representatives 3 times at my local branch, I also interacted with them thru phone calls on the following dates : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX mins ), XX/XX/XXXX, XXXX, XXXX ( XXXX mins ), XX/XX/XXXX ( 2 hr 8 mins ). The last call ended with Chase hanging up on me after a 2 hour call when I asked to talk to a manager.
Product: Mortgage

After my XX/XX/XXXX complaint, Mr. Cooper stated their legal department would respond directly to me and has not done so at all. Instead, a local attorney is threatening me with an arraignement, bail and jail time for making my CFPB complaints seeking my " punishment '' in XXXX XXXX XXXX XXXX on XX/XX/XXXX using a never extended expired interlocutory order from XXXX to try to achieve my jailing for making a valid RESPA complaint. 

I need immediate help with this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$60000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***