23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I received a letter dated XX/XX/XXXX, stating that I need to specify which items of information I am disputing and provide the specific reason why I believe it is inaccurate or incomplete. The Account I am disputing is XXXX XXXX Account # ending in XXXX Account type : credit card Date opened : XX/XX/XXXX Credit limit : {$3000.00} Date closed : XX/XX/XXXX I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any accounts that I authorized to be opened. It is the result of identity theft. I have not signed up for any account with XXXX XXXX. I have been notified that my personal information was leaked on the dark web. I have attached supporting documentation. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Drivers License A current bank statement A copy of my Identity Theft Report A copy of my Police report A copy of my ID notify statement showing my personal information has been leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account Information Address XXXX XXXXXXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

someone use my identity to open a credit card account they open the account in XXXX and use different address it is not my address I live in my current address since XXXX
Product: Credit reporting

I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

Ive noticed some unauthorized hard inquires on my credit report that should not be there and I would like to request to have them immediately removed as they are negatively affecting my credit scores and financial opportunities which is a violation of my rights.
Product: Debt collection

This account was placed for collection on XX/XX/17 by XXXX XXXX XXXX. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
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 I seek appropriate redress ( 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 I seek appropriate redress what violations
Product: Credit reporting or other personal consumer reports

Beginning of XXXX, I enter walgreens and they ask me if i want to sign up for their rewards program to get extra savings. I agree, and they tell me that they would need my social security information. I've never really signed up for a rewards program before besides at some food places, so i thought this was standard protocol as i'm fairly new to credit itself and store reward programs. Without my knowledge, They charge the credit card and i finish the rest of the purchase with my actual debit card thinking i just got a discount. An hour later, i become aware of it being a credit card through my email. I immediately call XXXX  walgreens and ask to cancel. They close the credit card but did not make me aware of any charges. This is recorded proof in the call that we had. Fast forward a couple months later. It's now XXXX and i look on my credit report and see that i have months of interest and late fees charged on the account. I get a huge credit drop. 700 's to almost 500 's back to 600s. I call XXXX  they tell me theres nothing they can do. This is unfair as i'm already going through financial struggle, trying to keep my payments as timely as possible, and then i get XXXX  by this bank trying to XXXX  people into getting a credit card. 

( this call was recorded by XXXX. Aswell as my other ones. They did not let me access the call records, and just proceeded to hang up on me. )
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Product: Bank account or service

I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny. 
I 'm sure I 'm not the only one who has been ripped off in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information to XXXX XXXX and XXXX. I'm not sure why but the last reported and last active dates are incorrect. They need to be corrected ASAP. In addition XXXX shows the account still open when it's been closed for years. That too needs to be corrected. That is affecting my FICO score and I don't appreciate it. If it is not corrected at both bureaus I will include you in the law suit I file against the bureaus. I have all of my paperwork as proof and the complaints I've filed with CFPB with the bureaus. I ran this report with a company that allows me to run all 3 to see what creditors see on XX/XX/16. This is the result of that report. I want it corrected, no excuses!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and TransUnion credit bureau after I purchased a credit report from Identity IQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance : {$2600.00} on my credit report which is UNKNOWN to me. 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. 
This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the thief 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 information relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX ) Using the Venmo app, I attempt a {$750.00} deposit ( immediate deposit via debit card for which I'm the owner ), it fails 2 ) I attempt lesser denominations until {$100.00} works 3 ) I attempt a 2nd time with other amounts bigger than {$100.00}, it didn't work 4 ) I attempt a 2nd time with a {$100.00} deposit, it works again.

5 ) I attempt a 3rd time with other bigger amounts, fails again.

6 ) Since I start to get suspicious and no longer trust the platform I withdraw the {$200.00} 7 ) I open a ticket for them to investigate why it is at their will t
he functionality of depositing money.

8 ) Account gets suspended with the pretext of " user terms '' violations, without any explanation whatsoever 9 ) The notice of account suspension comes with a set of instructions that include uploading a photo of my ID and changing my password. I followed the instructions exactly as written, gave ( AGAIN ) my ID to their system, even with a selfie, and changed my password.

10 ) repeatedly attempted contacting them by phone, email and chat. No answer and when there is one, they just wash their hands claiming that " specialists '' are working on it and there will be a " resolution '' ( which is not stated to be an unfreezing of the account or that I'll be given MY MONEY back ) in the next 3 to 5 business days with a total disregard of me, my time and the money I already worked for. 

XX/XX/year> XXXX ) again, repeatedly attempted contacting them by phone, email and chat, still no answer other than " wait ''. Why would I have to wait for them to resolve something that they caused in the first place?
Product: Credit card or prepaid card

On XX/XX/XXXX I received several emails from XXXX XXXX XXXX XXXX. Thats a store that I am not used to visit. I did not open any emails until XX/XX/XXXX, when I noticed that one email said : Welcome and Thank you for joining, and then another email that provided a purchase confirmation number. when opened the email it showed my home address and my name, and the shipping to address in XXXX also with my name. I called right away to XXXX XXXX XXXX XXXX and they provided me with Comenity Capital Bank telephone number. I contacted them immediately. They told me that they were going to close the fraudulent credit card under my name due to identity theft and that they will be sending me a questionnaire in the mail, i have not received it as of yet XX/XX/XXXX. To my surprise all credit bureaus, XXXX, XXXX, and XXXX have received a hit with this new credit card under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze with XXXX via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with Experian and they want to charge me {$100.00} to do so.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 an account without my written instructions.
Product: Mortgage

Mortgage issuer : Flagstar Date : XX/XX/XXXX- XX/XX/XXXX I am a higher savings, lower income individual ( due to the pandemic related job changes and layoffs ). Me and my wife at the time bought a place in XXXX NJ in XXXX and financed XXXX. We have never missed a single payment on this loan in the past 5 years. I currently run my own online business. The original loan had both me and my ex-wife as borrowers listed on the loan. 

Following my divorce and per our divorce agreement, I issued a loan assumption request ( to only have my name on the loan ) for our 15 year conventional mortgage, which had about XXXX remaining. The link to initiate this request was hidden on the website and took some time to find it. Then I was referred to a loan assumption XXXX ( XXXX XXXX ). After being referred to the credit decision team ( XXXX XXXX and XXXX XXXX XXXX ) and completing the documentation request in XX/XX/XXXX, I received a decision on XX/XX/XXXX that I was denied my assumption request. 

This letter stated that I had a XXXX XXXX of XXXX and cited the following for the adverse action : - Excessive obligations in relation to income - Insufficient income for mortgage payment The credit score metric they used was not found " high enough '' for the following reasons : - Too many inquiries last 12 months - Length of time accounts have been established - Amount owned on revolving accounts is too high - Length of time revolving accounts have been established I literally have had the same XXXX credit cards for 15 years where I revolve a balance of {$1500.00} per month with no missed payments. 

My requests to appeal and have them communicate & revise their logic in making this decision have not been answered. 

As I have a friend who got approved for a XXXX loan with less income and smaller credit score, I find this predatory. It doesn't take a genius to see that the company is trying to refuse, with no ground, an assumption request for a loan with 3.25 % in interest rate and twisting my arm to refinance at the rate of 6 % instead. I am hopeful there are legal protections for consumers on this matter. 

I need your support and guidance on this. 
Thank you