23daVinci/CFPB_Complaints huggingface dataset:
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, has violated my rights. 

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

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

PLEASE REFER TO THE ATTACHED : In XX/XX/2018, I disputed to get Equifax to remove the attached XXXX Credit Card information ( # XXXX ) from my Equifax Credit File/Report. I have also called Equifax, but get no action taken.This credit information is INACCURATE cause I have never reported a XXXX Credit Card, or any Credit Card, LOST or STOLEN ; additionally, this credit information is MISSING INFORMATION and especially have NO HISTORICAL ( PAYMENT ) DATA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my address as " XXXX XXXX XXXX XXXX ''. I live on " XXXX XXXX XXXX XXXX ''. They are the only credit agency with this address and insist that they got it from various creditors. I have never lived at XXXX XXXX XXXX XXXX. I called XXXX XXXX and they insisted they have never reported me as living at XXXX XXXX XXXX XXXX Filing in the online dispute results in same thing -- disallows me from correcting this incorrect address and insists it came from creditors. 

Here is why that is a problem - our mail was once misdelivered to XXXX XXXX XXXX and the people who lived there never gave us our mail. If they had a credit card application with my name sent to that address they they could've filled out the form and changed the address to steal my identity. 

Why is Experian being obstinate about correcting my address?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you
Product: Credit reporting

I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Equifax allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.
Product: Credit reporting or other personal consumer reports

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Product: Student loan

I contacted FedLoan services about cancelling my account and getting a refund since it was advertised and they said they could cancel the account but could not give me a refund. I contacted them on XX/XX/19 about this. This is a public service forgiveness program and I am not in public service. I can not get enough information as to why I can not and I was not given this information at the set up process. I was unaware I would be out 3 payments of {$180.00} to a total of {$550.00} that I paid. I need a refund and I have nowhere to turn to to get my money back. I just want to dispute the charges made to my bank and get my money back since I will be using my bosses service company to pay back my loans.
Product: Credit reporting or other personal consumer reports

After going through my credit profile I realized there were some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Woke up to an alert on my phone that a new hard inquiry from XXXX XXXX was now on my Transunion credit report as of this morning ( XX/XX/year> ). I googled what that was and it came up as the XXXX XXXX for poor or no credit. I have not applied for credit with this or any lenders recently. I have gotten multiple emails over the last few weeks telling me my data was exposed in various breaches, and this could be the result of that. I thought I added Credit Freezes to all my credit files with the 3 credit bureaus but apparently, I missed Transunion, so I added one there today and found the number for XXXX XXXX. I called there at XXXX PST today and spoke to Lovely who gave her employee ID # as XXXX and explained anything they have with my name or personal info is fraud and asked what name or address was on the application or any other info that could help me file a fraud report or figure out if I knew who was trying to get credit in my name. She said she could not provide that information but did tell me there was a credit card application that was still pending with a status of " need supporting documents ''. She said she would tell someone I am claiming that this is fraud but that it could take up to 60 days for them to complete an investigation and send me any documented proof in the mail about what they decided the outcome will be. She also stated instructions regarding getting the hard inquiry removed in the letter. I told her I am filing a claim with the FTC and the CFBP and asked if there was a way to expedite the investigation or proof letter in case I needed to give any of that to them and because Transunion told me they will not remove any hard inquiries without documentation of a claim from one of those agencies or some other hand written request being mailed in but she said no. I am just trying to get rid of any ties to this fraudulent account as quickly as possible so I can feel secure again and not end up with any financial burdens that are not mine to deal with.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one used my personal information and opens accounts under my name this is a fraudulent accounts
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 caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Mortgage

Dovenmuehle customer service is unable to resolve problems that arise for their consumers. 
Over the last year, I have had to call multiple times for issues with tax forms, escrow accounts, and taxes. The agent who answers is usually unable to help. When you ask for, " manager, '' they will transfer you to another, " customer service specialist, '' which means another agent usually just sitting next to the first person I spoke to. Not actually someone with answers or with authority to make changes or review acocunts. My tax form was inaccurate. I spent upwards of 20 hours on the phone with them and it was never resolved. 
My tax bill for XXXX was not paid from the escrow. I have called many times and I was told it was paid [ see the transaction record below that does not show XXXX taxes paid ). When I ask them to look for it in the transactions, I have been hung up on. I also was told, " we are sending the payment, '' and then hung up on. During these interactions, I am calm and kind but I still hung up on ( even after 4 transfers and hours on the phone ). On XX/XX/2020 it was recommended to me to email with tax bill which I did [ XXXX ]. I have emailed 5 times without response including messages to these secure messages online without resolution. I also found an email online for XXXX which I sent. 
It has been over a month without a response. 
You can not communicate directly with the escrow or tax departments. Supposedly they can not reach them except for faxes. Regarding my tax form, I was told my case was expedited and that someone from the legal department would call me in 24-48 hours. I did not get any communication. 
Their chat function is rarely available. 
The only thing I can do is call, wait on hold, explain the problem either to be transferred to another, " customer service agent, '' who will later transfer me again to another " customer service agent, '' or hang up on me. 
I don't know their legal obligations to their customer but their customer service practices are by far the worst I've experienced at any company. Ever. They outright lie. And they don't care, because who am I to them? I am a voice on the phone who is easily dealt with by hanging up when they don't have the answers. It is clear that they do not value helping their customers quickly and don't assist them to painlessly resolve problems that arise.
Product: Checking or savings account

In XXXX of 2017 US Bank Charged off my Checking Account and reported me to XXXX XXXX US Bank reported to XXXX the reason for Charge Off was Account Abuse. 

This is incorrect. As I remember my account was charged off for over draft fees. Then US Bank Charged additional over draft fees on top of over draft fees. I attempted to correct this with US Bank bank in 2017, but they stated this is policy. 

I was aggravated with US Bank answer. I did not pursue US Bank any further at the time to correct the matter as I was caring for my XXXX mother and attempting to understand why my father XXXX XXXX XXXX in XX/XX/2017. 

i spoke with US Bank today XXXX attempting to resolve the matter. To make settlement and for US Bank to remove or correct the reason they Reported to XXXX. US Bank stated No, they would not change the reason. I advise I was contacting CFPB
Product: Student loan

I was laid off XX/XX/2020 and have been unable to return to my previous job. 
Ive had several interviews but nothing has resulted in employment yet except for one offer that fell through because of the pandemic. Ive explained this to my loan service company several times. I can not make any payments right now but they continue calling and mailing threatening letters and trying to ruin my credit.
Product: Checking or savings account

I am complaining about the processing of direct deposit and delaying funds availability and offering some services to some accounts and not others. I understand there is a delay due to the bank holiday or XXXX XXXX XXXX, but they state ACH deposits may incur even longer processing times and holds which is not usually legal. I want to file a complaint about the delay in processing, and the offering of access to early direct deposit for some customers and not all. I am hoping you can look into this to determine if any regulations or violations have occurred, and if you consider this a form of XXXX.
Product: Credit card or prepaid card

I closed my Citi card account sometime in XXXX XXXX. On XXXX XXXX, they notified me that I had a balance of $ XXXX. I called in to ask what could be done, and they offered to wire the funds to my new bank account. I gave the rep my routing and account numbers, and then did n't see the money for about a week. I called in to ask what had happened, and they said the money had been successfully transferred. Several higher-level reps have agreed that what must 've happened was that the first rep typo 'd my account number but not my routing number, so someone else ( not me ) at XXXX has my {$150.00}. XXXX told me I needed to get the trace number from Citi so they could open an investigation. I 've gotten all the way to the " office of the president '' with Citi, and nobody has been able to get me the trace number. My first contact with them was XXXX XXXX ( that 's when I gave the rep my routing/acc # s ) - it 's XXXX XXXX and I still do n't have the money or the trace number. I keep calling them and keep being told " we 'll call you back Monday, expect the money by Wednesday '' or similar, only to not be called back and not receive my money. 

Call timestamps ( CST ) : XXXX XXXX - Time unknown ( already pruned from my phone 's recents list ) 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 I 've been promised callbacks no fewer than 6 times and never received one. It 's been a month and a half and I still do n't have my money. 

( The reason I 've been calling so many times since the XXXX is because I was given a direct number to the executive office on the XXXX, and every time I call it I get voicemail. )
Product: Vehicle loan or lease

I was missed lead about the whole loan situation with the carBefore the the purchase of the car I told the owner that I did not like that car and he proceeded to tell me just drive the car for a couple of days and we can trade it back in The owner was so XXXX on me getting this particular car he forge the other Cosigner her name on the paperwork I told him numerous of times I did not like the car so when I finally got in the car and drove it under the pretense that I wasnt going to be keeping this car for long the transmission was slipping He told me to wait till they get the settlement from credit acceptance and then I can get another car Me not knowing what kind of damage it would be doing to me more than helping So I took the car back to them he told me To state a wreck that one of his family members was going to drive the car and he was going to put the insurance on it and to stage the Wrecked so he could put me in the car that I wanted So he proceeded to stage the situation and he Got one of his family members to wrecked The car So he never told me anything else after that he put me in another car two days later And after two years from that I found out that he went to prison for fraud just like this and hes still in there
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and XXXX both report the last update as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while Equifax and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o Equifax : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and XXXX both show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the Equifax and XXXX reports. 
XXXX CREDIT LIMIT : for Equifax XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how XXXX should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation.

Documented proof of the late payments, including dates and amounts.

If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA.

Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate inquiries reporting
Product: Credit reporting

XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting

I filed a dispute on the DOB reported on the credit report of all XXXX credit bureaus. Only XXXX credit reporting bureau removed the incorrect information. XXXX and Transunion continue to report the incorrect DOB which is causing me financial hardships when applying for jobs. 

I have disputed the DOB and no answer was given expect that the XXXX reporting agencies - XXXX and TransUnion would continue to report the incorrect information. I have sent letters of request that the information be removed to no avail.
Product: Checking or savings account

Open the account at suntrust bank on XX/XX/2021 with XXXX then my account was closed on XX/XX/2021 they refunded my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!