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

DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/scrub>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/year> UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in 15 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished. 
For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt. 
In Response to a Court Order : To comply with a court order or federal grand jury subpoena. 
For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.
Product: Credit reporting, credit repair services, 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 : # XXXXXX/XX/XXXXXXXX 15 U.S.C. 1681 section 602A. 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 1681 c ( a ) ( 5 ) section states ; no consumer agency may make any consumer reporting containing Any of the following items information any other adverse items of information, other than record of convictions of a crime which antedates the report by more then sevens years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to Any other consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021
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 A CT ( 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

my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but XXXX XXXX XXXX wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for XXXX  they said i owe yet XXXX keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to XXXX demanding to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request immediate action to prevent further unauthorized activity on my credit reports. As advised by my credit bureaus, Experian, XXXX, and XXXX, I am submitting this report to block the fraudulent accounts and protect my credit information. 

I discovered that my personal and financial information had been compromised, resulting in the opening of multiple accounts in my name. These accounts were not authorized by me, and I am unaware of the individuals or entities responsible for the identity theft. 

As advised by my credit bureaus, I am requesting that all these accounts be immediately blocked to prevent further unauthorized activity. I also request that all inquiries and credit applications associated with these accounts be removed from my credit reports. 

I appreciate your prompt attention to this matter, and I look forward to resolving this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.
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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 with 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

Navient will not let you get the forms you need to apply for income based repayment until after your account is past due. Additionally when you call their phone number for help and ask for customer service the automated system keeps hanging up on you if you ask for customer service.
Product: Debt collection

CBE GROUP ( collection agnecy ) XXXX XXXX XXXX XXXX ( creditor ) this is a collection agency reporting to my credit for {$370.00} without verifying the details as i called them dated XX/XX/2023 to get details of the debt, they did not provided me accurate info instead they asking me my details. 

called XXXX even they are not providing their email for communication ( time XXXX XXXX XX/XX/2023 ) Spoke to XXXX XXXX on XXXX XX/XX/2023 XXXX XXXX and still he did not provide the comapny email address after request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account has been charged off in XX/XX/year> and should show as closed status on credit report. Account is showing as open and currently reporting months of charge-off status. This is negatively affecting my credit and eligibility for future credit and is a violation of my rights. 

This account reporting is violating The fair credit reporting act states under : Section 1681e ( b ) Accuracy of Information - Credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in consumer reports. If the charge-off is being reported inaccurately, this may be considered misleading or inaccurate.

Section 1681s-2 - Responsibilities of Furnishers of Information The lender ( or creditor ) must provide accurate information to credit reporting agencies. Repeatedly reporting the charge-off each month may violate their obligation to ensure that the information they furnish is correct. 

Additional violations : Re-aging of Debt Misleading Reporting
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX**** Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/2019, we received a letter from Flagstar Bank regarding instructions for our request to cancel the private mortgage insurance on our mortgage loan. The cost for doing this, as stated in the letter, is {$120.00}. The letter gave instructions for where to send a check in that amount and that a representative will contact us to set up an appointment. The letters are attached with this complaint. 

Nowhere in the letter does it state that an additional fee MAY be changed, only that the cost for canceling PMI is {$120.00}. 

Flagstar deposited the {$120.00} check on XX/XX/19. 

On XX/XX/2019, Flagstar Bank sent us another letter stating that there would be an additional fee of {$100.00}. If we wanted to cancel PMI, we needed to send in the additional {$100.00}. 

This, in my opinion, is fraud. Flagstar Bank did not inform us of any additional fees. They deposited our check and then informed us that if we still wanted to cancel the PMI, we needed to send them an additional {$100.00}. 

This is one example of many instances of poor customer service and dishonest practices that we've experienced with Flagstar Bank. Calls were not returned. At least one formal complaint with Flagstar Bank ( XX/XX/19 ref. # XXXX ) was ignored. Other issues regarding the endorsement of a check for our roof repair due to hail delayed payment to the roofing contractor for over a month. 

All of the calls with Flagstar Bank were recorded. However, since there is identifying information included on the calls, I won't attach the recordings. 

Thank you for your follow-up.
Product: Vehicle loan or lease

The car was paid off on XX/XX/2020. I had made 3 calls to get a payoff letter and after driving over 40 miles one way told the agent I refused to get off the phone until they emailed it to me. I finally had it emailed on XX/XX/2020. At that time I was advised my refund for the over payment on the payoff will take 30 to 45 days. On XX/XX/2020 I was told they have not processed my check and will have it processed and sent within 2 days. As of today, XX/XX/2020, they have not processed the over payment. Plus I need to have my account reviewed as I made my payments in advance and they continue to charge interest on on time there was no payment due. They have removed my payment history so all I can see is I have a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A CREDIT CARD WAS FRAUDULENTLY OPENED IN MY NAME WITH CHASE BANK AND I NEED THESE ACCOUNT DELETED AND REMOVED FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. [ Name of inquiry & date ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violationof15USC1681b
Product: Mortgage

Due to COVID-19, Im off work temporarily and unable to pay my mortgage. Upon contacting Freedom Mortgage several times, Im being told my only option is a 3 month forebearance plan with full payment due at the end the 3 months ; additionally they are requesting verification and documentation of income and expenses. This is completely not in compliance with the recent legislation passed to protect homeowners at this time. Upon questioning the plans available under CARES act legislation, I was told I would have to contact and apply directly with the FHA for any such assistance - Again completely inaccurate and not compliant information. Freedom Mortgage should not be allowed to operate in this matter as they are providing complete inaccurate information and attempting to benefit financially from customers affected by this global pandemic.
Product: Student loan

I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family
Product: Checking or savings account

Chime closed my account on XX/XX/2022 saying I wasnt in compliant with its internal policies and the member agreement executed at enrollment. I have over {$1600.00} in my savings account with chime and about {$30.00} in my checking. After sending over documents to prove my identity several different times I received an email stating that they closed my account and I would receive and check with any money that was in my savings and checking within XXXX of the account closing. Its now the XXXX of XXXX and still nothing, Ive called multiple times and they keep saying the same thing which is to wait to receive and update email from chime support I explained to them that Ive reached out to chime support on XX/XX/XXXX and all I keep getting is automated messages its just ridiculous.