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

XX/XX/2022 hard inquiry and decline for credit XXXX XXXX XX/XX/2022 hard inquiry and decline for credit XXXX XXXXk XX/XX/2022 hard inquiry and decline for credit Comenity Capital XX/XX/2022 called XXXX XXXX XXXX XXXX to remove these inquiries as fraud. 

XX/XX/2022 called Comenity Capital to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Company is aware of account being opened without permission or authorization by my daughter who is a minor. Company claims that we owe them money for a bill they paid they cant provide statement for. Refusal to remove linked bank account and continues to deposit odd amounts to bank account. Only one month ( XXXX ) of being a 3rd party bill payer directly removed from my bank account. 
Stellarfi refuses to stop membership fees and stop membership. Threatens to continue negative reporting unless a fictitious amount is paid. Stellarfis listed phone number is out of service. 60 late payments reporting in XXXX on behalf of a bill owed from XXXX. Purposely harming credit and refusal to remove bank information. Service only used one month!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains 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 verifiedthat these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 4 federal student loans with XXXX. After XXXX updated their new website, they have failed to report accurate payment history to the three credit bureaus by either stating they have no records of my XX/XX/year> payment for all 4 student loans or advising that one of my student loans has been closed. This has affected and lowered my credit scores for all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had a set of tires put on my truck ( see work order # XXXX ) from XXXX XXXX for a total of XXXX. I paid cash for the tires ( see receipt ). in full so there is no charge or outstanding balance. However it was picked up as a charge to an old account that I once had there and reported to the credit companies in this case Equifax. I went back to XXXX XXXX and talked to their credit specialist and she was kind enough to write a letter for me stating that I did not have an outstanding account there ( please see letter from XXXX XXXX ). I reported all of this to Equifax through their Dispute Center and uploaded these documents, However when they claimed the looked into it, they are saying on my credit score and report that I still have this outstanding balance and took like 70 points off my credit score. I went back and talked to XXXX XXXX and they said they told them I did not have one, she says they are welcome to call back. I am buying a home and the hit to my credit score is terrible and I need it fixed, not to mention I plane don't owe it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to dispute an item on my Experian credit report. XXXX account should display " Paid as Agreed ''. This account is on a debt management plan agreed to by XXXX ( XXXX XXXX agent ) through XXXX. 
Unable to file dispute either online or over the phone with Experian. Online system is perpetually " experiencing technical difficulties '' and no one answers the phone.
Product: Credit card

I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXXXXXX ( Bank ) - XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 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 : 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 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 reporting, credit repair services, or other personal consumer reports

The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees.

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
Product: Credit reporting

This particular public record the last name is not even my last name. And Transunion now state it will take them 60 days to fix. Doc # XXXX
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit card or prepaid card

I was informed on XX/XX/2020 via email that my account was placed in a frozen status based on suspicious activity. The letter stated to contact them as soon as possible to resolve the issue. I called on XX/XX/XXXX and was told by XXXX I needed to submit by postal mail a color copy of my ID and 3 bank statements OR pay the balance due to unfreeze the account. I asked what led to this - were their suspicious charges? The response was " can not explain suspicious activity or confirm there even is any ''. 

I had already reviewed the charges posted to the account and they were all legit. 

I sent the requested info by postal mail and continued to pay the balance in full by due date. 

The next statement arrived and found the rewards feature of the account had also been frozen. 

I called to follow-up on XX/XX/2020 and was told by XXXX they had not received the requested documents - to call back in a week or so. 

I called to follow-up on XX/XX/202 and was told by XXXX they have not received the requested documents and someone would call me when they arrived. 

I called to follow up on XX/XX/2020 and was told by XXXX she could not confirm whether the requested documents had arrived or not. I told her that I had since paid the balance in full - could they unfreeze the account? She said no - I must submit the requested documents AND pay the balance in full. This was a change from what I was originally told. 

I am left to wonder - if they can not provide any info on the alleged suspicious activity - had my identity been compromised? Or some other suspicious activity in my name occurring? Am I the one they are suspicious of? It seems very unreasonable to take this action and refuse to provide any additional info.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 XXXX and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.

First, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased  costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses. 

The fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am XXXX, my mom helps me with all my decisions, and she showed me that I received a preapproved XXXX XXXX, I use this for personal [ college ] purchases and I also purchased some items for my trophy truck. My mom said this would help build my credit and have some responsibilities. Prior to moving to Illinois that balance was paid. We arrived here and get this bill for {$4000.00} and I immediately called XXXX and wanted to know what was going on. They said they were going to research and came back with this as your IP address, name, SS number, and date of birth, but the wrong address. These charges were from XXXX XXXX XXXX XXXX XXXX XXXXz. And they said this is your responsibility because everything comes back to your identity. I have been fighting this for the past 2 years. I am trying to raise my credit score as I am purchasing a home with my mom and with this hoovering over my head I can not move forward.
Product: Credit reporting

Just filed for a bankruptcy and I got a discharged but some accounts do not show that they are in bankruptcy.
Product: Credit card

They refuse to open a dispute. They changed their site and now can't make a payment on it.
Product: Credit card or prepaid card

In late XXXX I tried using my ca edd debit card from bank of america, at a bofa atm in XXXX XXXX. The atm said something along the lines to call cs. I called and told the lady my ATM card wasn't working, she advised me of some sort of unusuall activity in the late pm and early am. That my card was suspended by bofa because of it. And to call back Monday morning and speak to claims. Which I did.after answering several questions she proceeded to open a claim for me. Again bofa suspended my ATM. The total was {$920.00} about 10 days later I recievecd a letter dated XXXX stating I would be receiving a temporary credit while they conduct there research. And it would take 2business days. XX/XX/XXXX I received another letter stating bofa completed the investigation and that the previously issued credit is now permanent. Late XXXX I tried using my debit card for a POS purchase. It was a Sunday. I called cs and was told my card was suspended by ca edd. Monday morning I speak to ca edd and was told I needed to verify my I'd. I did so that Monday morning. I called back Tuesday and verifyed with ca edd. I also called b of a Weds and asked what was going on? I was told my account was good but I had a neg balance. I also noticed that I had deposit by ca edd and that bofa had taken money from my account with out any type of notice. XXXX I recievecd a letter from bofa stating the claim has been closed. I've been calling everyday since XX/XX/XXXX trying to get answers on why and who took the {$920.00} my statement says ca edd I've called and spoke to supervisor and was assured ca edd can not take money from my account. XXXX bofa sent me another letter stating they completed an additional review of my claim for {$920.00} and as a result of there research my account has been credited {$920.00} that this is final and permanent and dispute is now closed. But no money has been deposited
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX filed bankruptcy and in our contract with GoodLeap the finance company assumes responsibility. We no longer have our 25 year warranty, we were not told about the specific cost of additional fees under lender truth statement. We truly have no idea how much we were over charged. We are paying on a system that halfway works and we have to pay for any labor now and in the future GoodLeap does assume responsibility for that and we should no longer be paying this loan if they are not honoring the warranty and they have tacked on fees that no consumer can see in the contract. Peoples lives are impacted by this situation and a full on investigation needs to be completed with GoodLeap/XXXX  XXXX scam to consumers. We were denied credit and our sales person said he would get GoodLeap approve it so I assume we are paying a huge up charge for approval as we were denied initially. Please investigate, I want the panels off my roof, the loan removed and my roof back to its normal state. I have several calls into XXXX XXXX  about my under performing solar and now I have no one to call. I called GoodLeap  and they keep telling me my panels are working and they would send someone out one time and they could connect me with contractors I would have to pay for and that was not the agreement I signed up for. I was also told my bill would range around {$350.00} a month and I have yet to see that. I called XXXX prior to this mess and my panels were to be rearranged on my roof and that has yet to be done.
Product: Credit reporting or other personal consumer reports

Today Transunion sent me my credit report investigation results by mail.Stating they verified and updated, The information is the same inaccuracy, no change at all, I'm asking for XXXX XXXX, XXXX, XXXX to be deleted from my credit report. These three accounts was paid off on time years ago. XXXX deleted all three accounts do to deep dive investigation. Transunion need to do the same thing. I will not give up until these three inaccuracy accounts are corrected or deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX CFPB ) ** ** Subject : Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Equifax XXXX a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). These violations contravene the provisions set forth in the Act and significantly impact my financial standing and overall well-being.

# # # Details of the Complaint : 1. **Inaccurate Reporting** : Under Section 623 of the FCRA, furnishers are required to report accurate information to consumer reporting agencies. Equifax has failed to comply with this requirement by reporting inaccurate information regarding my credit accounts, which has adversely affected my credit score.

2. **Failure to Investigate Disputes** : Upon disputing the inaccuracies in my credit report, I provided Equifax with all relevant evidence supporting my claim. However, Equifax did not adequately investigate my dispute or correct the inaccuracies within the timeframe mandated by the FCRA.

3. **Non-Compliance with 15 USC 1681** : Equifax 's actions constitute a clear violation of 15 USC 1681, as they have not adhered to the standards for collecting, using, and disseminating consumer credit information. This includes neglecting to ensure the accuracy of consumer reports as required by Section 607 ( b ) of the FCRA.

4. **Civil Liability** : As a result of these violations, I am seeking civil damages as outlined in the FCRA. The inclusion of false or misleading information in my credit report has caused me significant financial harm, including denial of credit applications and increased interest rates. 

# # # Supporting Documentation : Attached is the letter of communication I received from XXXX XXXX XXXX dated XX/XX/XXXX. In the letter, XXXX XXXX confirms the existence of an account opened in my name in XX/XX/XXXX. While they state that the account was reported accurately to XXXX, the letter also indicates that Equifax, along with XXXX and XXXX, is not reporting this account, which raises questions regarding XXXX compliance with the FCRA and its responsibility to report accurate information. 

# # # Requested Action : I respectfully request that the CFPB investigate these violations and take appropriate action against Equifax to ensure compliance with the FCRA. Additionally, I would like to be informed of the outcome of your investigation and any actions taken. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely