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

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has changed my credit score twice in 6 days, each time by XXXX points. 

Each time, the loss of XXXX points has been explained/justified ONLY because my credit utilization ratio has gone from 3 % to 10 %. 

It's clearly a mistake since it's happened twice and, each time, the only change reported is the identical credit utilization from 3 % to 10 %. 

The first time, several days ago, they reversed the change the next day. 

Today is a Sunday so I have no way of filling a complaint with them. 

When I did file the first complaint last week, they had no explanation even though the XXXX points were added back the next day.
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 cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX XXXXXXXX, 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

I spoke with bank of america corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that Bank of America would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about bank of america and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX just keeps updating it and not deleting it off my report along with XXXX it is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on my business and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Demand for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and obsolete information being reported on my Equifax credit file. The account listed below is in violation of the Fair Credit Reporting Act ( FCRA ) and must be deleted immediately : Creditor Name : XXXX Status : Charge-Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX FCRA Violations & Legal Basis for Deletion : 1. Violation of FCRA 605 ( a ) ( 4 ) : Charge-off accounts can not be reported for more than XXXX  years from the date of first delinquency ( XXXX  ). Since this accounts XXXX is from XXXX, it should have been removed by XXXX. 

XXXX. Inaccurate Credit Utilization Reporting ( FCRA 1681s-2 ( a ) ) : Reporting a XXXX  % utilization rate on a closed charge-off account is misleading and incorrect. 

XXXX. Failure to Mark Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) : If you have previously received a dispute and failed to mark the account as such, this is a violation of federal law. 

XXXX. Potential Re-Aging of Debt ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If this account was previously deleted and reinserted without proper notification, this is unlawful. 

Demand for Immediate Deletion Under the FCRA, you have XXXX  days to investigate this dispute and respond. If the account is not deleted, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Report XXXX violations to the Federal Trade Commission ( FTC ). 

Take legal action for willful noncompliance, which allows for statutory damages up to {$XXXX} per violation under FCRA 616.

Please provide written confirmation of this accounts deletion within 30 days. Failure to comply will result in further legal actions. 

Sincerely, XXXX XXXX Part 2 Subject : Demand for Method of Verification ( M.O.V. ) Under FCRA 611 ( a ) ( 2 ) To Whom It May Concern, I recently disputed an account on my Equifax credit report, and per FCRA 611 ( a ) ( 2 ), I am demanding the Method of Verification ( M.O.V. ) used to verify the following account : Creditor Name : XXXX Under FCRA 611 ( a ) ( 7 ), I have the right to request : 1. The name and address of the furnisher of information.

2. A copy of the original signed contract or agreement proving my obligation to this debt.

3. A detailed description of the verification process used to confirm this accounts accuracy.

If Equifax can not provide this information within 15 days, you are required to delete this account immediately under FCRA 611 ( a ) ( 5 ).

Failure to comply will result in : A formal complaint with the CFPB, FTC, and my states Attorney General.

Potential legal action for noncompliance under FCRA 616 and 617.

Please respond within 15 days with the requested verification details. If not, I demand this account be permanently removed from my report. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Product: Consumer Loan

Date of {$1700.00} Loan XX/XX/2017 Today, I called XXXX at the XXXX , Va. location to confirm my payoff amount of {$790.00}. However, XXXX stated a payoff amount of {$1100.00} ( as of today ) ... ..plus an additional $ XXXX in interest. These amounts I dispute. My payments are as follows : XXXX Money orders dated XX/XX/2017 XXXX for {$500.00} & XXXX for {$150.00} totaling {$650.00}. 
XXXX Money orders dated XX/XX/2017 XXXX for {$150.00} & XXXX for {$100.00}. 
XXXX Money order dated XX/XX/2017 for {$35.00}. 

Total payments as of today, {$940.00} on a {$1700.00} loan..but still owe over {$1100.00}. 

The agreement indicates ... .. " Prepayments. You may prepay in whole or part at any time the amount due under this loan agreement and will not incur any additional charges, fee or penalty. However, we will refund the finance charges we have earned if at any time prior to close of business on thr business day immediately following the date of this loan agreement, you prepay to us in cash the amount financed ( principal ) in full satisfaction of your obligations under this loan agreement. '' It is not my fault their payment machine was down so I had to mail payment in therefore processing was delayed resulting in additional charges, penalities and fees. 

So far, based on their calculations, I have paid {$330.00} in interest.
Product: Credit card

My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill
Product: Credit reporting

I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past XXXX yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a college student. 
4. The employment information is incorrect - Remove and I do n't wish to update.
Product: Mortgage

We have had our mortgage on our current home since XXXX ( refinanced in XXXX ). Our mortgage was recently purchased by Truist, we had made two payments no issues but as I was going to pay the 3rd payment I noticed a line item for Premium/PMI that hadn't been there previously. We have never had PMI on our mortgage before and we specifically set up our initial loan to avoid this. When I called Truist to ask about the issue, they initially told me to contact our previous mortgage company but we had never paid PMI with them so I was confused why they said that. When I pressed them more they said they added it due to home to loan ratio but I was fairly sure that isn't something they can just add after the fact. We didn't get any written info about this change before it happened either so I have no idea why it would be added. I am going to write them an email to try and get it removed but I wanted to get on top of all angles so I can avoid unnecessary extra payments that would have a detrimental effect on our finances.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> A family friend was using my account to make a personal transaction online with a online seller, they told them to send {$30.00} through paypal and then they would send them the product. Unfortunately they did not receive the product and they continued to ask for more money and information through unauthorized websites. The money sent was un consensual by me and passwords were saved and unfortunately used without my knowledge or permission. I contacted paypal today on XX/XX/XXXX for XXXX payments that were not intended. Due to the fact that the payment was processed by the family and friends option there was no way paypal could get enough evidence to support said claim. The only payment that was authorized intentionally was one payment i made to a seller after changing my password and information.
Product: Money transfer, virtual currency, or money service

I was looking for Upgraded concert tickets so my daughter would be out of the rain for the concert. Many people were selling. I asked the person many questions, they seemed legit i usually feel like paypal is a secure way to go, tickets were going to be given through ticketmaster. Which is a secure site. I sent the money, and the very second i did, the person said not to send it ( even tho they would have already got notified at this point ) and wanted me to send the money through a different app now. Which i asked if they had prevs. And they told me no. They Cont to tell me to send the money NOW! right now! On the other app, i said no, i want a refund or my tickets. They told me to trust them and just do it. I contacted paypal and they told me they received the payment and there was nothing they could do, id have to ask these people for it back which is of course impossible. This all happen XX/XX/XXXX started about XXXX and lasted till about XXXX. I just want my refund. Which i sent {$160.00} dollars, and there was a XXXX fee for my bank to transfer it to these people. I was trying to make sure my daughter wouldnt get sick at a concert she was waiting months for. And i get scammed by who ever this was. Its just wrong. And for paypal not to do anything is unacceptable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2020, my husband and I applied for mortgage loans with XXXX XXXX  and XXXX XXXX  through XXXX XXXX. Experian Credit Bureau who is a XXXX XXXX XXXX XXXX reported my credit score as XXXX, which in essence should qualify us for an FHA loan. However, Experian shows my XXXX score as XXXX, which is different than what they reported to the mortgage lenders and thereby, disqualified me from obtaining a mortgage loan. I have attached a screen of my XXXX score from Experian. This is a deceptive business practice, which should result in a lawsuit. Negative information results in an immediate credit score decrease such as a simple inquiry to obtain a mortgage loan. However, positive information takes forever to obtain an increase in my credit score by the credit bureaus.
Product: Checking or savings account

I had sufficient funds for the purchases and my bank took me into overdraft
Product: Credit reporting or other personal consumer reports

Equifax and XXXX continue to allow inaccurate and false reporting on my credit. XXXX XXXX not only violated the MLA and EFTA, they continue to violate FCRA as they report a late payment each month even though account is nearly 7 years charged off. This is a double negative on my account- the derogatory information for charge off and subsequent late pays each and every month. The nearly XXXX balance is wildly inflated and accounts for a significant amount of inaccurate debt on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

I have disputed the fraud of my Child Support Case which is verified as accurate, despite the fact that I have an Affidavit Sent to my states XXXX XXXX  ( division of child support ) requesting the " wet ink '' signature of my enrollment into Title IV-D federal program which they do not have, because it doesn't exist. I have provided my parenting plan, which mentions noting about me being enrolled into this federally " incentive based '' program which XXXX XXXX ( for profit corporations ) which get paid on every dollar they collect. There is NOTHING they can come up with my signature, making the entire contract null and void. You can not have a viable legitimate contract without BOTH parties and a signature being enrolled in a program that they are unaware of. Not to mention they over charged me until my daughter turned XXXX ( and 1 month after ), which they ignored and NEVER got back to me. An unrebutted Affidavit ( my Affidavit of notification ) stands as truth in court. I think everyone involved has ignored this fact, and it it FRAUD to begin with. I would appreciate you help in getting this removed from my credit record, it is fraud. Fraud begins where the Fraud was committed. Thank you.
Product: Mortgage

This complaint is against the Wells Fargo Home Mortgage Application Fee submitted by XXXX XXXX XXXX and paid directly from her checking account in the amount of {$50.00} on or about XX/XX/2004 from her XXXX  XXXX XXXX account. All information provided, gathered and obtained from that application remains the interest of XXXX XXXX XXXX, accountholder and shall be provided upon request.
Product: Debt collection

I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed via XXXX and are still reflecting upon my credit report, stating Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Experian remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, This lender : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX | XXXX Independent Home Loans , LLC XXXX # XXXX Inquiry : XXXX XXXX XXXX XXXX With out My authorization, He run my credit report, getting me a Hard Inquiry, 5 points less on My score. I never signed or apply for any document where it says they can Run My credit. This person was told that I put an offer on a House across street where they need to decide in 24 hours what I asked for. If the Vendor agree we can formalized the documentation and proceed with the next step that is signed and provide all documents to apply for the loan. He ran on everything with out my authorization. 

I need please to removed this Hard Inquired and get my Score back where it was. Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I have requested information to be removed and they have declined... this is fraud under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) ... it was supposed to be removed in 4 days time.