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

I am writing to seek your assistance in resolving an issue I have encountered with Equifax regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your intervention in addressing this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report.
Product: Debt collection

I was sent to collections for getting behind on my XXXX payments. I repeatedly have tried to contact the Debt Collecting company ( Association Collection Services LLC, XXXX WA ) by phone and e-mail to resolve the amount due. I left several voicemails and e-mails with no response back. I have been trying to resolve this for 1 month.
Product: Checking or savings account

XXXX is a form of government where XXXX  walked around with XXXX  ahead of the consul. The consul had the authority to behead anyone for any reason. He did not have to engage with them in discourse. Installing a XXXX  government, and deprecating the office of the XXXX of the United States is treason, and was paid for with this bankruptcy fraud. 

Unlock my account, NOW!
Product: Mortgage

My mortgage loan was with XXXX  XXXX  with auto pay for monthly loan payment. On XX/XX/2022, XXXX  XXXX  informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified mail stating that I was behind on my payment. 
As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails ( XXXX XXXX- the original lender, always communicates with me through email ) but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments. 
When I reached to shellpoint customer service, they had my contact phone # wrong and no word about any Email communication sent. 
I am very responsible person and manage my finance pretty well and have never been late in my payments. Your office can check my credit history and see that don't have any history of late payments. 

During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : CONN CREDIT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer 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 I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I needed to put a freeze on my credit account because apparently it got leaked from multiple sources. EXPERIAN forced me to create an account in order to place a security freeze. Ever since, they have been spamming me. Their emails beg me to sign up for more monitoring or other bogus services they offer. 

For example, they spam me constantly telling me that I have a new credit alert to review. But all the credit alerts are just that my credit card balance changed. It changes every time I swipe! It changes every couple of weeks when I make payments. It changes when the balance goes up or the balance goes down. They are using this as an excuse to send spam, and they won't let me opt out. 

Another example, they send " reminders '' for me to check my credit. But the reminders are full of marketing for " experian boost '' and other bogus products. 

XXXX XXXX XXXXXXXX It says they were penalized but they are still spamming me! I never asked to be a " customer '' of this company, I just needed to freeze my account. 

I contacted your customer support and they just gave me the runaround, insisting that the only way to stop the spam was for me to cancel the account. But then you'll go ahead and start sharing my personal information again ( because the freeze doesn't work unless I have an account ).
Product: Credit reporting or other personal consumer reports

Bank of America reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from Boa & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. XXXX knows I never gave them written instructions to put false stuff on my credit report.
Product: Mortgage

XXXX Address : XXXX 
XXXX, AL XXXX Pursuant to : 1. a : RESPA, XXXX U.S.C. XXXX ( XXXX ) ( XXXX ) ( B ), b : XXXX XXXX XXXX XXXX XXXX f ) ( 2 ). 
c : TILA XXXX XXXX XXXX XXXX g ) ( XXXX ) a-e d : XXXX XXXX XXXX XXXX https : XXXX XXXX. All XXXX policies associated with the subject mortgage and any TRUSTS, including but not limited to XXXX Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate XXXX days fannie mae rate in XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. XXXX ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting

I 've disputed the credit inquiries on my report 3 times with Equifax and every time they just come back and say " inquiries are accurate '' without investigating at all.
Product: Mortgage

I had a loan in process with quicken loans they assure me everything is ok your loan is approve before we close they said I needed to deposit an extra XXXX dollars on my account I told them I didn't wan na do that so I decided to use another lender I ask quicken loans to transfer my appraisal the problem is that when they transfer my appraisal they put denied instead of withdraw just for this reason the new mortgage told me that by fha rules your debt to income needs to be much lower which it doesn't make any sense a contacted quicken loans asking them to please change it to withdraw I spoke to XXXX XXXX she was REALLY ARROGANT I told her this is my third loan with your company which she didn't care it doesn't take nothing away from your company the biggest loan company to change it I told her but she said just no that she didn't care if I can't get the house just because I went with a different lender I think this was done maliciously and on purpose by quicken loans because they know my situation and they know the fha rules that allow them to treat people like this, my biggest point is that it doesn't take nothing away from quicken loans the biggest lender to change the appraisal so I can get the house that i need for my family I'm also loosing money and been embarrassed please stay away from quicken loans
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number:XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased GYEN coin which were deposited into my Coinbase account. Within a few days, the price of GYEN went up and at that time I sold all my GYEN for over {$550.00}. Almost a week later, Coinbase confiscated the profits from that trade which were still in my account by taking {$550.00} worth of coins in my account and sending to themselves. They have stated there was an error they corrected and that this problem, including my complaint, has been resolved internally and Coinbase has not communicated any further with me. I want my money back which Coinbase has robbed me of.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX XXXX XXXX . dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX XXXX XXXX . ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Product: Credit card

I applied for a 0 % interest credit card to do a balance transfer to help assist following a financial issue. When I called to complete the balance transfer, I was told that I could not transfer the balance from my existing Citi Advantage Card to the new Citi Diamond Preferred card for the 0 % interest. I read through the terms and conditions which were mailed to me which do not indicate that is required to be a balance transfer from different institution. When I further questioned, where it was within the terms and conditions mailed to me with my card, I was advised it was only an internal policy indicates this and it was not in the terms and conditions of the agreement provided. As a customer, I am not privy to your internal policies and only to the terms and conditions provided to me in writing under my name in my card agreement with Citi. This is completely in appropriate to refuse a customer based on an internal policy and not based on my written agreement with Citi, it is discriminatory and bad faith by a financial institution. I was only given broad brush answers that well everyone knows ... .There was no further remediation offered except to close the card which had already pulled and affected my credit. This is not a resolution to something that is the fault of Citi not their customer.
Product: Money transfer, virtual currency, or money service

I keep getting multiple phone calls from XXXX stating that it is PNC Bank saying that I have been preapproved for a loan. I have tried to contact someone to tell them to stop calling, but when I call from my office phone I am placed on hold and then it hangs up. This is stressing me out, because I know it is not PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, Sallie Mae, XXXX, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX due to the abusive and unfair practices.