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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding an ongoing issue I have experienced with Equifax. Despite submitting all necessary documentation to verify my current address, including photos of my drivers license and bank statement, Equifax has continuously claimed that they can not verify my address change. 

Here are the details of my situation : 1. Address Information : I have been living at my current address for over 10 years. However, the address listed on my Equifax credit report is incorrect, and I have never been associated with the address that appears. 
2. Documentation Provided : I have submitted clear evidence to Equifax, including a photo of my drivers license and my bank statement, both of which confirm my current and correct address. 
3. Equifax Response : Despite submitting this documentation multiple times, Equifax has informed me that they are unable to verify my address change. This has caused confusion and frustration as I have no idea why they are unable to validate my address, even though Ive lived here for a decade. 
4. Impact on My Credit Report : The incorrect address on my credit report is causing unnecessary complications, and I am concerned it could negatively affect my credit score or my ability to apply for credit in the future.
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 proce 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 XXXX ' financial loss, and I seek appropriate redress for these violations.
Product: Credit card

disputed charge.Sent documentation that I thought was pretty conclusive. Discover cavbalierly dismissed complaint with no further investigation. I want the charge reversed or at least examined in much more detail. DISCOVERXXXX
Product: Mortgage

I was approved for relief through the XXXX XXXX XXXXXXXX program in the amount of XXXX. These funds have not been applied to my account. We had two active applications for assistance opened with the XXXX XXXX XXXXXXXX XXXX. The first is application ID XXXX was approved in the amount of XXXX. Cross Country Mortgage let the Mortgage relief program know that they received the payment of XXXX and applied to our loan, but they have not applied these funds. Cross country Mortgage has stated they sent the funds back to the Mortgage Relief Program on XX/XX/23 and closed out our Loss Mitigation file. As of XX/XX/23 the Mortgage Relief Program states they have not received back the funds. The second application ID XXXX was in the amount of XXXX and was denied by MRP because it is for the secondary loan on our account and did not meet the approval criteria and would have put our total relief amount over the {$80000.00} cap for assistance through the Mortgage relief program. This information is also incorrect and Im not sure why it was denied. Cross Country Mortgage has now also taken us out of loss mitigation, and we currently have a collections department calling and harassing us daily. 
Cross Country Mortgage needs to re-open our loss mitigation file and contact the Mortgage relief program with this information to make our account current and request the funds through the Mortgage relief programs portal. We still need the XXXX that we were approved for through application ID XXXX to be applied to our loan. 

Both companies are stating the other is to blame, meanwhile, I could lose my house to foreclosure. I have done everything in my power to contact both companies and resolve without resolution. I would like this situation escalated and to be contacted for resolution.
Product: Student loan

I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.
Product: Bank account or service

On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. 
I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. 
I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. 
To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. 
I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. 
I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX paid in full XXXX XXXX   XXXX never late XXXX XXXX XXXX paid in full XXXX XXXX {$0.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXX : {$160.00}
Product: Debt collection

Statue of limitation has pasted proof of account and amount delete from credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act Experian has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$640.00}
Product: Consumer Loan

So I have had a loan from Infiniti Financial since XXXX XXXX. I have been making my payments through the bill matrix system since that time. There are times when I make the payment using the bill matrix online and the payment does not process all the way through but I get a confirmation number. Usually I have to call back because I notice my Payment does n't post in my bank account. Well this last time in XXXX I made the payment on Friday XXXX XXXX XXXX at XXXX. I figured the payment had n't posted because they do n't process payment on the weekend or on holidays which it was president 's day on Monday. I got a call from them saying my payment did n't post and that I am now 31 days late so they have reported my account Late to the credit bureaus. I should not be reported late to my credit report as it was a system error that occurs quite often when I do it. It is incorrect for them to report me late when it is their system that is causing the issue and I have never been 30 days late on anything ever and they are refusing to remove late When it is their systems fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  was contacted by me on  XXXX / XXXX / 2017  regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with  XXXX   XXXX  to have their inquiry deleted. When I contacted  XXXX   XXXX  today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
Product: Vehicle loan or lease

False fees car was returned in mint condition. I asked Nissan multiple times to prove the validity of there fees. They sent documents but nothing proving the fees they were charging me the {$1700.00} that sits on my credit, this is stopping me from getting a loan with a good interest rate especially in today 's environment and have even stopped me from getting a loan all together. Please stop them from continuing to hurt my future.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

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

Someone needs to hold them accountable for this
Product: Payday loan, title loan, personal loan, or advance loan

The company in question, SST, intentionally makes it more difficult to make a payment when a loan is past due. This means that rather than easily making a payment online to catch up or bring a loan current you stuck having to jump through additional and increasingly difficult hoops to do so. This practice seems unethical, predatory, and arguably illegal practice. The penalties really add up and its exactly like charging way more interest than is allowed by Federal law.
Product: Credit reporting or other personal consumer reports

These are inquiries which should not be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

-- On XX/XX/2021, loan Servicer, Select Portfolio Serving Inc ( " SPS '' ), stated that property has been sold based on Loss Mitigation application submitted by Borrower on XX/XX/2021 while not responding to subsequent loss mitigation applications submitted by Borrower. The timeline used for the sale as stated by SPS is based on Loss Mitigation application received by Servicer in XX/XX/2021 while Borrower has submitted Loss Mitigation application on XX/XX/2021. Servicer has failed to process loss mitigation application from XX/XX/2021 and Borrower resubmitted loss mitigation application on XX/XX/2021 within the 30 day appeal window that was to end on XX/XX/2021. Servicer failed to process documentation submitted by Borrower and proceeded with foreclosure in violation of dual tracking laws and in violation of foreclosure procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Contacted credit card company in XXXX to payoff a balance transfer and was told I couldnt pay it off until it expired because payments are applied to highest interest rate balance first. Told to Call back after XX/XX/XXXX when it expired and it would be paid off then. Called XX/XX/XXXX to pay balance transfer 4 off and applied remaining payment to other balance transfer. Payment was {$900.00} which paid off balance transfer 4 with about {$100.00} left for other balance transfer offer. Didnt happen when I received statement I called XX/XX/XXXX and told it would have to be adjusted. Received letter saying they cant adjust it because now they have to apply it to the lowest rate balance first. False and misleading information. Deceptive practices just to get money from higher interest rate.
Product: Mortgage

I began a refi with XXXX XXXX in XXXX, with targeted close date of XX/XX/XXXX. Every document and request was completed within XXXX. Delays occurred due to title seeking a subordination on a loan ( second lien position for solar ) that was to be paid off during the refi. It took multiple escalations to resolve this. Finally in mid-May we were looking on track for closing. Closing did not occur. Finally approved for closure on XX/XX/XXXX, met with the notary and we signed documents. On XX/XX/XXXX when I found that the loans had not been paid off, I tried to make the XXXX payment due with the secondary lender, but everyone was closed due to the holiday. On Monday, XX/XX/XXXX, XXXX requested that I make the XXXX payment to XXXX  ( 2nd ) and show proof the loan was paid through with a XXXX due date. I called XXXX to make the payment and provided proof of this, along with a refreshed payoff statement to XXXX. As of XX/XX/XXXX, funding has still not occurred, and both the primary and secondary loans that were to be paid off yet sit past due. Today XX/XX/28, I am being asked for more verifications and the loan is back with underwriting. 

Additionally, I have asked for a supervisor at multiple points in the process as challenges were encountered. It is evident that the complaints framework is not in line with industry standards. I never reached a supervisor.
Product: Credit card or prepaid card

I have made at least 3 attempts to get a copy of all of my monthly statements with American Express. 

After hours and hours trying to navigate the phone maze, when I do get a live person, ( who is always from a far away land and is very hard to understand ) they are rude and unhelpful. 

The most recent XXXX man told me he would at least send my final billing statement. 
I could tell he was insincere and I was right. Its been one month and nothing from Amex. 

My request is to get a paper copy ( or even digital ) of each of my monthly bill as for my time as an American Express customer, and then as a Platinum Amex card holder so that I May remedy my past with them.
Product: Credit card

On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.
Product: Debt collection

Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 a letter was sent Experian explaining my discontent with a late payment that was reporting on my credit with a company that reports to them. I have yet to get any correspondence from them processing