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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

HARDS INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried -- unsuccessfully -- to have inaccurate information removed from my Equifax CR. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, all debts were discharged. I did not reaffirm my mortgage with XXXX. I started checking my credit reports after ten ( 10 ) years to make sure there was no mention of a bankruptcy or accounts related to the bankruptcy. XXXX and XXXX no longer show a real estate account. However, Equifax shows an open and active account with a balance. I started disputing the errant information with Equifax and XXXX two ( 2 ) years ago, but to no avail. I have communicated via telephone, fax, and online. Equifax will remove the inaccurate information only to reinsert it a month later. The last time I disputed the inaccurate information ( XX/XX/XXXX ), it was removed. I just checked my credit report today and the account has been reinserted by Equifax as open and active. Also, XXXX recently sold/transferred the mortgage to XXXX. I have been unable to secure a new mortgage because it appears as though I am still under obligation to pay the prior one with  XXXX. It is obvious that Equifax, XXXX, and XXXX are violating the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ( the FCRA ).
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.
Product: Checking or savings account

My card was lost I filled the dispute in a timely manner and reported the card went the the bank bank to get a new card now all of sudden you guys not trying to give my money back or and you guys trying to close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$7900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.
Product: Debt collection

I Called Grant & Weber on XX/XX/2018, to setup payments, collector said that the debt is too old they will only accept payment in full or payment in two installments. Advised I can't afford to pay {$1500.00} twice. Said they won't take anything less and if I don't pay it'll adversely affect my credit and they will continue to report that I'm not paying. They suggested I use my tax refund to take care of this. When I advised them I pay taxes and do not get refund the collector said " you pay taxes but you can only afford {$100.00} per month! '' They treated me horribly when I reached out to them in an attempt to pay!
Product: Debt collection

I have already contacted ONLINE Information Services , Inc to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Inquiries : XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX5 U.S.C. section 602 A states that i have the right to privacy.

15 U.S.C. section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 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.

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 adv
erse 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 or other personal consumer reports

Recently Purchased A Copy of my consumer credit report and learned that I have ( XXXX ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Dispute using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got into a retail installment contract with Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have been reporting 60 days, 90 days, 120 days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.
Product: Credit reporting or other personal consumer reports

There was a collections placed on my XXXX credit report on XX/XX/XXXX. I contacted both XXXX and the collections company and disputed the charge. I sent both parties a copy of my back statement the shows the account had been paid in full in XX/XX/XXXX. I received an email stated the dispute was completed and would remain on my report. I have filed 9 separate disputed regarding this issue and have called the dispute department at XXXX of 8 separate occasions attempting to find out why this is still on my report after I submitted proof of payment. Nobody can give me an answer and it remains negatively on the report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud in there platform, leaving my money vulnerable and unprotected.Furthermore their disputing 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 had caused significant inconvenience. I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car at XXXX XXXX XXXX XXXX and they sold me an add-on installment contract for tires/repairs from a company called XXXX XXXX. The car was a lemon and I returned it to XXXX XXXX XXXX XXXX. They told me they would cancel the add-on installment contact from Line 5 because I returned the car and could not use this installment contact. I noticed 2 months ago that Line 5 reported me 30 days late to the credit bureaus and it severely dropped my credit scores. I called and they said they were sorry and they would fix it. I just pulled my credit again and now they have reported me 60 days late. This has XXXX my credit and my chances of buying new home for my family.
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. While reviewing my records, I discovered numerous items that do not belong to me. As a diligent researcher, I found that Section 605b of the FCRA legally obligates you to remove and block any items identified as resulting from identity theft. The disputed items are not mine. I have attached the necessary FTC Report, which I learned through further research is required by both parties. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX Bank credit card that Equifax posted on my credit report multiple times. Equifax is refusing to remove it despite me telling them I have not applied for a card with XXXX Bank. My information was involved in the Equifax data breach. As well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX data breaches over the last 2 years and never received anything about this XXXX bank card application or any other documents. They must have used an address and phone number that is not mine! Can I get help with Equifax refusing to remove this fraud account from my credit report? The other bureaus do not have this card on my report.
Product: Mortgage

I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone logged into my XXXX account and ordered {$660.00} worth of items to my address ( perhaps to test out if the card will work? Not sure why that happened ). XXXX password manager tells me there was a data breach during the summer of 2020, and I was email bombed for weeks after the incident. Not sure why they were able to order since they don't have my 3 digit security number ( the card was merely saved to my account for speedy checkout ). I would think this is ultimately XXXX 's fault for allowing that. Is it illegal that they do not ask for the 3 digit code? I called XXXX to tell them about this order. I tried cancelling, but it was already being processed ( which is crazy because it had just happened. I applaud their speediness ). They said they placed a flag to the carrier to not deliver, and I never ended up receiving the items that I was not able to cancel. I also called Wells Fargo to submit a fraud claim and to cancel that credit card. The fraud claim came back denied. I repealed the claim and submitted another one, and that was denied. They said I need to contact XXXX. I did. XXXX said I need to contact Wells Fargo. I've called multiple times, and neither say they can do anything about it even though they know XXXX did not deliver the items to me. Very absurd.
Product: Credit reporting or other personal consumer reports

All derogatory remarks, hard inquiries, late payments and, unverified items listed in the invoice herewith remain on my credit report in violation of Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You are required under Federal Law and the FCRA to have the written consent and a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my oral or written consent has violated my rights and has committed fraud. under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. By XXXX : XXXX the Original Creditor and consumer according to 15 U.S. Code 1692a Definitions The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( XXXX ) The term creditor means any person who offers or extends credit creating a debt. 

Damages 15 U.S. Code 1681n - Civil liability for willful noncompliance The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires. I have been disputing these inquiries to no avail with Transunion.
Product: Mortgage

A payoff was requested from Carrington Mortgage Services apprx two weeks ago by XXXX XXXX XXXX XXXX XXXX XXXX to close on a refinance and Carrington has NOT and continues to refuse to supply the legitimately requested information which is having a NEGATIVE impact on the refinancing of the VA loan to a lower interest rate, additionally Carrington was given an opportunity to offer a better interest rate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX