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

THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX XXXXL XX/XX/2021
Product: Checking or savings account

I went onto XXXX XXXX XXXX  in XXXX XXXX  in Washington DC, to open up a saving and or checking account. I was denied because my ID identified my place of resident as a homeless shelter. I was talked to very aggressively by the person who was assisting me, as if I was trash, it hurt me so bad that I looked up the name of his supervisors to lodge a complaint. I called a person who identified his self as the Vice President of XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX and XXXX. He advised me that the employee did nothing wrong as it was there position not to give accounts to people they couldn't identify where they live. I told him that this was a District of Columbia drivers license that had a star on it verifying my address as a homeless person using the resources of the shelter as my point of contact. He said the District had mandated that if you don't have a address where they can come to you can't open any type of account with the bank. I told him this was discrimination against a marginalize population of people who are trying to get their lives together through establishing credit and other product that could give them opportunity. We talked for about XXXX weeks going back and forth and me sending him information to help my cause. Eventually we stop communicating because I told him this was not the last he would here from me. He never sent any information saying any of the reasons I was denied access to opening an account so I believe I've been discriminated against because of my position in life at that time. He acted like it was OK for the employee to treat me that way., and never reach back out to me to open an account or show me information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working since XX/XX/2020 to get it cleared up. I've sent letters to the bureaus and letters to the creditors several times. The bureaus letters were a series of stall tactics. Everytime we called they said they did not have any documents ( which we sent 4 times ) yet the I received a mailed letters requesting specific ids. I sent passport, they asked for ssn, which I also provided. I sent letters to the creditors and got no response. They did not verify that the inquiry ( CREDCO Inquiry : XXXX. XXXX, 2020 ) were authorized.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing negative items again, even when accompanied by an FTC report. As mandated by law XXXX of the FCRA. If you fail to remove the inaccurately reported items listed below, which are a result of identity theft, I will be forwarding my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following fraudulent items, which were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you assert that these items are completely accurate and verifiable, I request you provide me with copies of any associated documentation that bears my signature, as I know none exists. Without such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. These accounts are unfamiliar to me. Additionally, the information provided on these accounts was deleted by other bureaus, raising doubts about their accuracy and reported payment history. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind, you have XXXX business days to remove the reporting of any items in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification. I appreciate your immediate attention to this matter and expect a response within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  Comenity Bank and XXXXXXXX XXXX names appeared on my credit report. I have made contact with both company 's and was told this problem would be taken care of and that someone has attempted to open credit accounts in my name. I've also locked all my credit reports and started a monitoring service. I am still getting emails and regular mail from both companies and I need someone to look into my problem and solve this issue.
Product: Credit reporting or other personal consumer reports

XXXX is displaying a collection account I never owned.Contacted the original account holder as well as XXXX and the account is still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These listed accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 crime 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 or prepaid card

I made a purchase that turned out to be from a fraudulent seller, Truist is refusing to re-open the claim because it " timed out '' as I never received their mail. They never notified me the claim was being closed, or that the merchant responded to their request for information. Instead of a kids 400+lb playset, we received a pair of fake sunglasses, but nobody along the way reviewed the tracking information to see that what was sent was not what was ordered and the seller will not respond of course as they are fraudulent. Multiple times I've been told by Truist, over the course of a few months, that I would be getting a call back from their supervisors, but the calls never come.
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

Dear Sirs, I need your assistance after several attempts to have XXXX XXXX and Experian to remove a derogatory account off my Credit Report. the account is with XXXX XXXX XXXXThe Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX  XXXXand Experian. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX,  XX/XX/XXXXXX/XX/XXXX. Hope you can be of assistance. Thank You
Product: Checking or savings account

I received an advertisement in the mail, stating that Wells Fargo had a special where if you signed up for a bank account with a XXXX XXXX that resulted in at least {$1000.00} being deposited within 90 days ; you would receive a a {$320.00} bonus. I then went online in XXXX of 2024, used the promo code of the advertisement, and opened a bank account. Within 90 days we have over {$1000.00} deposited via XXXX XXXX. After 90 days, we hadn't received the bonus though, so we called Wells Fargo. They told us that maybe it was just taking longer than normal, and to wait. We've done that. We've called back multiple times, and they can't seem to tell us anything about why we haven't received it. We still have the account open, and we still receive a XXXX XXXX there every 2 weeks.
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 : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Student loan

I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires that any incorrect accounts be removed from my credit report, in my opinion. Could you check the documents? Some of the accounts listed are inaccurately reported, with incorrect amounts and dates.
Product: Debt collection

Mercantile Solutions stop contacting me, as I did not give you permission to contact me nor did I give permission for you to contact anyone related to me nor did I give you permission to retain any of my personal information.
Product: Mortgage

I would like to draw attention to the attempted predatory payment practices of Select Portfolio Servicing that holds my current mortgage. Since COVID became a concern the company repeatedly puts me on forbearance plans without my consent. I have called every  month since XXXX to make manual payments to stay current, despite their website confirming that I have an active ACH withdrawal scheduled for my payment each month. On each call as recent as XXXX the rep will assure me that my next payment will resume with automatic withdrawal. I DO NOT WANT OR NEED A FORBEARANCE PLAN! I find this practice to be predatory in that the company is providing inaccurate assurance of ACH withdrawal yet Im continuously forced to manually make payment to avoid the appearance that Im accepting the forbearance. The website guidance about payment ACH is inaccurate. I fear that a forbearance will be reported to the credit bureaus based on Select Poetfolios inability to rectify my multiple requests to simply TAKE MY PAYMENT ON TIME EACH MONTH with the documented ACH on file. I have never had to beg a company to take my money each month like this. Forbearance should require an opt in notice. Instead Select Portfolio has opted all clients in saying to call to opt out. Calls to opt out result is full customer service failure only to start the entire request all over again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Received a call from Transworld systems this morning and they are trying to collect a debt from someone who used me as a reference. The person is my son, XXXX XXXX, but he does not live with me, nor does he even live in the same city. They chose to give me his name and tell me what they were trying to do. My job experience is credit and collections and I already know of XXXX violations that that they have made?? Calling a 2nd party & discussing that persons acct. I see where they have already been sanctioned by the FTC but that does n't seem to bother them? There are multiple blogs on the internet in re the same thing.
Product: Mortgage

I applied for mortgage XX/XX/XXXX and was pre approved, I begin the process submitting all requested documents I was led to believe everything was good and I would be closing soon. I was told near closing the first time my loan officer quit and I would have resubmit all documents and I did. I started with a new loan officer who stated I needed XXXX down payment on a XXXX in which I agreed to though I knew it didnt sound right for an fha loan. I paid for inspection and appraisal and was told I was approved under conditions. I met the conditions and then I was told I needed XXXX to close. My parents wired the money and it was there in my account the next day. I was then told I had high dti and I should find lower insurance which I did.I also was advised to pay off any debt I could do I payed off my credit card and sent in all supported documents. I waited for a couple of days with no communication. I received a call from my realtor to terminate contract because I was denied due to high dti. I was confused because no one had told me anything. This was a three month process which I am hurt because I fought for that house and no one had the decency to handle my application properly. I lost the home I loved. There are so many things that were not handled properly and should be addressed to keep regions from doing this to anyone else. I feel completely discriminated against.
Product: Credit card or prepaid card

I am the consumer, natural person and original creditor. Discover Bank has denied me my right to credit as I applied for a Discover Credit Card account on XX/XX/2022 initiating a consumer credit transaction the application number is XXXX. Pursuant to XXXX XXXX XXXX ( k ), Discover Bank also discriminated against pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my right to credit by making an application pursuant to 15 USC 1642 and since the letter you sent me on XX/XX/2022 which is an adverse action is both proof and evidence that I have been discriminated against, you are criminally liable. pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I which is another violation pursuant to 15 USC 1602 ( p ) unauthorized use of my credit card which congress defined as ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that right there means the consumer provided Discover my Social security Number which is defined a credit card and I received no benefit. Discover Bank also failed to disclose to me that a finance charge was involved. Pursuant to 15 USC 6802 I am exercising my right to privacy and hereby OPT OUT of sharing of my nonpublic personal information to consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted XXXX XXXXXXXX XXXX to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.
Product: Debt collection

This debt is a loan in my name but was court ordered to be placed in my ex wifes name in our divorce decree. She has missed payments and they are contacting my current wife repeatedly. She has nothing at all to do with this loan or debt. We have asked them to stop or repossess the vehicle and they have done neither.