23daVinci/CFPB_Complaints huggingface dataset:
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 specifically cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected furthermore they're 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. I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Complaint Against XXXX XXXX XXXX and Equifax for Reporting Duplicate Credit Accounts Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX and Equifax for the reporting of duplicate credit accounts on my credit report. 

Details of the Complaint : Duplicate Accounts : Equifax has reported XXXX open credit accounts under my name by XXXX XXXX XXXX. These accounts are duplicatesand represent the same credit account. 
Fraudulent Reporting : This deliberate and fraudulent reporting has negatively impacted my credit score and financial standing. 
Adverse Action : This erroneous reporting constitutes an adverse action against me, causing undue stress and financial harm. 
Desired Resolution : Immediate Removal : I request the immediate removal of the duplicate credit accounts from my Equifax credit report. 
Compensation : I seek compensation of {$1000.00} for the inconvenience and damage caused by this fraudulentreporting. 
I have attached copies of my credit report highlighting the duplicate accounts for your reference. I expect this matter to be resolved promptly and look forward to your swift action in addressing my concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX,
Product: Mortgage

Wells Fargo just increased both mortgages and still have not reduced principal or applied correct amounts to anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, Congress has already made it clear that you have assumed this role of reporting this information on my credit. Not only that you have assumed it without my permission. I have been dealing with this inaccurate information on my credit report for a LONG TIME, and you refuse to remove and delete it. This inaccurate information has affected my home buying process in such a negative way that it has ended with me paying an even higher interest rate than I would have if this inaccurate information was not present. 

I would have hoped that both you would respect my privacy especially since I have never instructed you, Transunion, to create this report showing this inaccurate account. It is a clear violation of my rights that this inaccurate information has been obtained and disclosed by your company without permissible purpose. 

You are supposed to protect my nonpublic personal information as you are a financial institution and you should be complying with 15 USC 6801. I want this inaccurate information and any names and addresses that do not match the name and address below to be REMOVED and DELETED from credit report immediately. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA, XXXX Account TO BE REMOVED : HAMILTON LAW
Product: Mortgage

Despite providing proof of insurance in writing that a sufficient amount ( exceeding the outstanding loan balance by {$100000.00} ) of insurance was in place on at least two occasions I continued to receive threatening letters from PNC Mortgage that unneeded insurance was going to be procured on my behalf and I would be financially responsible for its cost. After receiving an insurance policy in the mail procured by PNC Mortgage and a letter describing an increase in my monthly mortgage payment I called to try to resolve the problem. I talked to XXXX XXXX on XXXX XXXX, 2016 at approximately XXXX and was told that in fact they did have my proof on insurance on file but thought my townhome required an HOA policy in addition to the policy I had in place. I explained the HOA bylaws had changed and there was no longer going to be an HOA policy. I further explained that my policy replaced the HOA policy and covered everything that needed to be insured. XXXX responded that someone would be giving me a phone call to discuss further. She would not correct the problem. No one from PNC Mortgage has made any attempt to contact me. I have now received a new payment booklet with an increase in my monthly mortgage payment of {$210.00}. I know that these third party insurance policies are very profitable for a company like PNC Mortgage but I currently have and have always had the required insurance in place and have provided written proof on multiple occasions.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$670.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

On XX/XX/2021 AMSHER COLLECTION SERVICES INC has reported a collection claim on my credit report of {$730.00}. This claim was disputed about 8 months ago with XXXX XXXX XXXX and was removed from my credit report. This is linked to a fraudulent account opened under my name with XXXX which has been already resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this date XX/XX/2021, experian continues to misreport my actual account balances. I try to dispute at their site but have been denied being able to dispute due to their failed systems. Their misrepresenting my account balances is leading my credit scores to decrease, causing me to lose access to monies.
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 violates 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 resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) 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

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 account 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 card

Without fail, I've maintained timely payments on this account, ensuring they never exceed the due date. The presence of late payment remarks on my accounts baffles me. It's important to note 15 USC 1666b - Billing Error for necessary corrections.
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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, XXXX  or Transunion website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

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: Debt collection

I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX residing on XXXX XXXX XXXX And I have always been sent statements in the mail. I remained on campus until XXXX after XXXX I lived off campus paying rent out of pocket. I had to resign out of school due to denial of financial aid appeal in late XXXX. Which I couldnt attend year XXXX. 
I recently called my school to ask about my Assumed debt which was {$9800.00} from dormitory fees. I was told that the Assumed debt was sent to Debt Colllector Reliant Capital solutions in the Month of XX/XX/XXXX. 
I was not sent a notification of the Assumed debt sold or notification to dispute no amount the Assumed debt was sold for to Reliant C.S. 
I received documents from XXXX in my email of ( Assumed Private Loan Debt ). 
I have not received anything in the mail at all since the Debt was sold.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. 
Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed account get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX  Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XXXX  XX/XX/2022 TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. 

# 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. 

# 3 Problem with XXXX is 2 Collection accounts LVNV FUNDING XXXX is showing 120 days late. LVNV FUNDING XXXX also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and LVNFUNDG ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERMISSION OR WRITTEN CONSENT. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMOVED FROM MY FILE ASAP 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, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Consumer Loan

I leased a car from Capital One 2 years ago, I had a co-signer who filed bankruptcy. I did not file bankruptcy and I am first on the loan. The loan was placed into bankruptcy for a while and I reported to the credit bureau as closed and paid in full. I was not notified of this and my credit score declined. I file a dispute with the credit bureaus and now it reads that the loan is charged off- bankrupt on my credit. I never filed bankruptcy. I am disputing that rating. I never stopped paying Capital One, I have paid them every month on time and continue to pay today. I want my credit to reflect that.
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Vehicle loan or lease

I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$890.00}, per the FCRA this is a violation, balance should be XXXX Payment Status : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Date Last Active : incorrect/ inaccurate Date of Last Payment : incomplete
Product: Mortgage

My mortgage is through Carrington Mortgage Solutions. I have auto payment set up to come out on the XXXX of each month ( the due date of the bill ). This months payment, XXXX, they took the payment out 2 days, possibly 3 days early. I will call them tomorrow to discuss ; however, I have researched and have seen a lot of lawsuits with this company in the past. 

Thank you