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

On XX/XX/year>, a hard inquiry was placed on my credit report by US Bank. I did not authorize or request any transaction, credit application, or service with this institution at the time of the inquiry. No prior communication was made with me regarding this inquiry, and I did not take any action to initiate it. I am requesting that this hard inquiry be investigated and removed from my credit report as it was made without my consent.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and impacted by data breaches. The information below which is on my credit report is a result of XXXX XXXX and my personal information being exposed in data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Mortgage

Called Mr. Cooper loss mitigation on XX/XX/year>XXXX  to request payment Deferral to resolve my 12 month missed payment. My investor should be XXXX XXXX  or XXXX XXXX. The qualifying event based on FEMA website is XXXX. It was declared major disaster area and qualifies for individual assistance. Based on investor guidelines I qualify for 12 months mortgage deferral. At the time of my complaint Its been 26 days still resolution on my loan.
Product: Credit reporting or other personal consumer reports

Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
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 Fair Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvienience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account from XXXX XXXX XXXX XXXX {$1900.00} with Experian on XXXX XXXX and Experian stated the information was certified to them as accurate but ive never recieved a bill or anything from either company stating how the information on my report is right..also XXXX XXXX XXXX is on my account when i disputed the account XXXX would add an extra $! XXXX to the balance to make it {$660.00} i reported it but experian hasn't done anything about it... 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are on my account as inquiries that i didn't do but yet Experian will not remove them i would like for Experian to send all investigation documents and evidence showing that these accounts and inquiries belong to me within 30 days..
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX XXXX  I initiated a {$2500.00} balance transfer from my Citi bank credit card ending in XXXX to my XXXX XXXX. This transfer never arrived. That week an many times since I have chatted, called and written Citi about this. Asking where the money went. In a letter from citi dated XX/XX/XXXX they stated I should contact XXXX XXXX On XX/XX/XXXX Citi sent a letter that they had sent proof of payment. I've never received that. XXXX told me they couldn't do anything with the information provided and that I should contact Citi. I contacted citi again, and again and again but Citi keeps saying I contact XXXX. Now Citi is charging me interest over the balance transfer. And I don't know what to do anymore, I feel powerless when being mistreated by these big banks. 

I've sent a letter on the XXXX of XX/XX/XXXX, no resolution. Called a thousand times since XXXX.
Product: Mortgage

As part of the CARES act, I submitted a request for forbearance on XX/XX/2020 with my loan servicer, Loancare, part of XXXX. The email confirmation said to expect a response within three days ( see attached ). As of XX/XX/2020 ( 42 days later ) I still hadn't heard a response. I tried filling out the application again since I was now coming up on the second mortgage payment since I initially applied. Still no response. 

On XX/XX/XXXX, I used Loancare 's web-based form to request a response from customer service. As of today ( XX/XX/XXXX ) I still haven't received a response to either the application or the email. I tried calling as well and used their automated system to request a callback. Their system said it would be approximately a 10-minute wait. Six hours later I'm still waiting for a call. 

Clearly this is unacceptable and, while I'm sure they're inundated with requests, 2-months to respond to cases of financial hardship is simply unacceptable. Please help me get a response. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have financing with this business and the inquiry is on my credit reports. 
Company : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, MI XXXX Phone number : ( XXXX ) XXXX Company : Bank XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX ( XXXX XXXX XXXX  ). Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX NO Phone number By mail only Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to address a pressing concern regarding my credit report. After reviewing the most recent version, I was troubled to find a fraudulent account that is adversely affecting my credit score. I'm puzzled as to why this specific bureau has not acted on my requests when other credit bureaus have promptly corrected similar errorsXXXX XXXX XXXX XXXXXXXX. 
It is evident that there was an error in verifying this account. Therefore, I insist on a thorough investigation into this matter and the immediate removal of the fraudulent entry from my credit report. Failure to act swiftly will leave me with no choice but to seek legal recourse and involve regulatory authorities to rectify this situation.
Product: Mortgage

I signed refinance documentation for a VA XXXX Fixed 30 Year with Loan Depot on XX/XX/2020 ; this is my current mortgage company. My loan has been conditionally approved by underwriting for three months ; I have called Loan Depot over 25 times with no response from various messages. I have escalated through customer care, and no one from the refi side or loan officer has called me back. The customer care reps are limited in what they can do but have stated this is not normal from what they have seen. They have sent messages from their side directly to the member team with the answer no one has called back. I have sent messages through the portal with no response. I do not know what to do, or it should have gone to someone else. At the two month mark, I did talk to XXXX XXXX ( manager ), and I explained that I had had the same offer they gave from other Mortgage companies, and the other companies guaranteed they could get the loan completed quickly. He reassured me that they would get the ball rolling and be very quickly 57 days ago. Now those rates are lost me, and I'm and stuck waiting on them with no choice to look elsewhere. I don't want my credit pulled again as it had been pulled previously two times separated by 30 days because I could not get ahold of anyone. Additionally, I am a 100 % XXXX retired XXXX Veteran ; I'm not sure if the stall is because there is not enough money to be made off this refinance. I am taking the backseat to other more profitable loans. I can not see why there would be any other reason unless they have not completed one refinance since XX/XX/XXXX, which I'm sure is not the case.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, TransUnion and XXXX consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First XXXX, is reporting that a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance XXXX, Transunion is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

XXXX is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading information?
Product: Mortgage

In XX/XX/XXXX i was awarded a XXXX  award to help pay for XXXX mortgage since losing my job during XXXX. They paid my mortgage up until this past XX/XX/XXXX. Where I was still making payments on my account, Freedom mortgage kept them in another account and applied those payments as they saw fit. It was not towards principal or escrow. The total amount paid from the XXXX was {$12000.00}. I continued making payments until XX/XX/XXXX where I was not able to make that payment due to not making enough with work and just starting a new job. When I made my XXXX payment that should have covered the XXXX payment and thus forward to today, where I should only be one month behind for XXXX. They have locked my account from me being able to make a payment and demands I make three months of payment at once, where I can not nor agree that I should have too. They claim to be short {$2500.00} for escrow which isnt clear, and when I ask they just send me my payment schedule showing paid payments and missed payments even though the missed payments up until recently have all been paid in full. They dont put the payments towards the mortgage on time which then causes me to uncure late payments. I currently cant make a payment because they demand over $ XXXX of payments that I do not owe, I owe two months, but because they locked the amount in the payment tab I am unable to make any kind of payment. They are keeping me from being able to sell my house due this reason because I am unable to secure another mortgage due to the way they are handling my money and making reports to the Credit Bureaus. I cant seem to speak to anyone because I just sit on hold for hours. When I message them in the account I get no clear answers and no help. I need to get out from under this and start fresh and feel that isnt going to happen. I am a single mother, with a single paycheck living, my ex does not help pay anything on the house payment. Please help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to help a man at XXXX XXXX XXXXXXXX XXXX XXXXXXXX who had lost his money and had no way of getting home until the next day. The staff was demanding he not sleep in the lobby and there was nowhere nearby for him to go. All he needed was {$50.00} to get a room. 

The man, XXXX XXXX XXXX gave me what he thought was his Cashapp information. As it turned out, it was an old account which he no longer had access to. When we called Cashapp to try and either reverse the transaction or transfer the funds to XXXX XXXX 's current account, Cashapp would do neither. 

I am certain my {$50.00} is still sitting in limbo.
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
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
Product: Debt collection

I pulled my credit report and noticed Paramount Recovery on my reports. I called them on XX/XX/XXXX to find out more about the account. I spoke to XXXX she stated the account they were collecting on was for XXXX XXXX for {$460.00} for service on XX/XX/XXXX. I advised her per my Explanation of benefits ( eob ) I did not owe for anything and I had never received anything from them about this. She told me she could not send anything because the 30 days to dispute the account was over. I told her I had no knowledge of the account. I asked her who was XXXX and she could not tell me all she told me was that it was from services at XXXX XXXX XXXX. I asked her could I call them to which she told me no that they would not know about it. I asked her how could I get in touch with XXXX and she told me she didn't know how. Upon calling XXXX only pulled up my account by my name she never asked my social or dob to confirm it was me only my address. 

XX/XX/XXXX I called and XXXX took my call. I explained to XXXX that I spoke to XXXX yesterday and wanted to speak with a manager because she was not able to give me any information. He confirmed me by my ss dob and address. He then told me there 3 accounts for me. 1 being my minor child and 2 for my adult child. I explained to him that my adult childs account should not come up under my social. He wanted to tell me maybe because she was in my care and I told him no she is an adult and they have my social linked her account and that is wrong. He told me he would get me a supervisor. He blind transfers me and the phone rings several times then a voicemail comes on. 

I call right back a second time and I get XXXX again. I told him who I was and I asked him what happened and I could hear him laughing and someone saying " I told you '' in the background. XXXX then proceeds to collect on the account asking me how I wanted to resolve the account. I told him I didn't because they have not proved to me it was mines and I wanted a manager. He also tried to tell me that he could not talk to me about my adult childs accounts. I told him I didn't ask him to. I also pointed out the fact that he mention the accounts to me tells me they are under my social which they should not be. He transferred me again to the voicemail. 

I called back and I spoke to XXXX XXXX and told her she was my 3rd call in less than 10 minutes. Explained the issue, what happened with XXXX and that I needed a manager. She told me that the manager was at her desk and she would transfer me. A different lady answered and asked did I need a manager I said yes she transferred me to the same voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

My credit report from XXXX and Experian is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've have been trying to submit my information for MONTHS now to Equifax. I have sent it several times via FAX and Mail. Every time I've tried to pull my credit I have not been able to because they have an address from years ago. 

Okay, so I've called them several times to try and fix it. I have taken 2 days now trying to get some resolution but none has been made. they've just been referring me over to people after people where I have to re explain everything over and over. Taken in mind I've sent them my paperwork now several times. They still state they have nothing and only have my information from years ago yet the other Credit Bureaus have everything just fine. They have given me a claim number but still they say they have nothing. I contact my Mortgage Bankers and they state that they've sent them my mortgage balance every month on the XXXX however that there is no address. They have acknowledged that they are receiving my payments but still do not have any of my current paperwork. I spoke to their supervisor and STILL they say I can submit them online. I go online and yet I get told this from one of their online techs ; XXXX XXXX ( XX/XX/2018, XXXX XXXX  ) : In order to update information on the credit file it has to be send via mail or Fax. 
Me ( XX/XX/2018, XXXX XXXX  ) : I already sent it both ways 5 times!!!!!!!!!!! I just got off the phone with your supervisor XXXX referring me to do it here online because you guys have lost all my copies Me ( XX/XX/2018, XXXX XXXX  ) : So did your supervisor lie? 
Me ( XX/XX/2018, XXXX XXXX ) : I'm done wasting my time and playing games Me ( XX/XX/2018, XXXX XXXX ) : are you stating there is zero way to upload proof of my documents via your website? 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : As We mention before since we are speaking regarding change information of your Equifax Credit Report, the information need to be send via fax or U.S mail. 
Me ( XX/XX/2018, XXXX XXXX ) : So you are telling me that is NOT possible to send my documents via online yes or no?! 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : Regrettably, no in order to update Equifax Credit Report, the information need to be send via fax or U.S mail. 

I have done what they have asked several times and yet they are still playing games and wasting more of my time. I want to know who I need to speak with or be referred to about filling a major complaint against this Credit Bureau.