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

INACCURATE PAYMENT REPORTING INFORMATION GIVEN TO CREDIT REPORTING AGENCIES. AS LISTED IN DOCUMENTS. XXXX AND EQUIFAX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 UC 1681 XXXX XXXX, ACCT # XXXX, XXXX, ACCT # XXXX XXXX XXXX # XXXX. 

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 1681s-2 ( A ) ( 1 ) SECTION STATES : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO ANY CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , the service calle d Checkr was a sked to run a background check by my potential employer-  XXXX   XXXX   XXXX   XXXX   (    XXXX   ). When I received a copy, there was a charge that was completely incorrect included in the report, and it is keeping me from getting my job. I have never been guilty of a felony in all my life! This charge was thrown out, because I was coerced into taking a plea for things I did not do. I had this same problem with a company called  XXXX , also with  XXXX , but they did correct the issue. Unfortunately,  XXXX  is no longer using  XXXX , so they wanted to run anoher check with their new company, Checkr, and I 'm having he same problem. I applied for this job back in  XXXX , so I am getting fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX all have XXXX auto account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has STILL not updated my Equifax credit report as of XX/XX/2021 to show this account has a XXXX balance and has been paid in full as of XX/XX/2021. I am currently in the process of buying a home and this is significantly lowering my credit score and preventing me from obtaining my final approval and being able to close due to the inaccurate information showing ( account balance, monthly payment, account still open, etc ) all of which is wrong. I have requested this be corrected numerous times both with this company as well as Equifax. There seems to be no sense of urgency on either part. It has been almost 2 months now since payoff and I am now in jeopardy of not being able to close timely on my home because of this. I need this corrected immediately and XXXX  # 's provided for the Equifax submission for the credit bureau update. Otherwise, I will suffer significant financial damages as a result of this incorrect credit bureau reporting which has lowered my credit score and is causing me to be denied financing and/or will be forced to take a much higher interest rate as a result. This is an URGENT matter. I am well aware they are capable of submitting this request to the credit bureau to make this correction happen timely. 

Confirmation of payoff attached. 

The other 2 credit bureaus have already updated this information accurately over 45 days ago. Equifax still has NOT!!! Sufficient time has passed for this correction to have been made. I have also disputed the account with Equifax with still no response. I have attached proof of this as well.
Product: Credit card or prepaid card

hi american express charged me money i did nat owe them, on XX/XX/XXXX i paid a bill then on XX/XX/XXXX i called them to pay the full amount then after they charged me XXXX dollars after i paid the full amount after XX/XX/XXXX with no proof of that new charge it was XXXX dollars on XX/XX/XXXX bill and the rest was intrest i just paid the amount on XX/XX/XXXX because they didint want to help me and they hang up charged me with out trying to confirm the closing of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suddenly changed/updated two account on my report for no reason and it made my score drop instantly 60 points! I dont know what they are doing but this is outrageous. 

The accounts are from XXXX XXXX and XXXX XXXX, old credit cards, which have been closed and paid off since XXXX of XXXX and the other has been closed and paid off since XXXX of XXXX! I did nothing to prompt this action, this is outrageous. My score went from the XXXX to XXXX instantly. 

This error needs be to fixed immediately.
Product: Credit reporting or other personal consumer reports

I got a report from my credit bureau that had been sent to them by Bank of America. The report caused my credit score to take a giant dive. BofA felt the need to send a whole report because I had applied for a loan of {$500.00} from them and been refused. Couldn't they just report the refusal like everyone else? I'm not sure why they felt it was necessary to pound someone's credit score into the ground after offering a quick-fix loan to make it to the next payday. It doesn't really seem like helping was their intent. This is the second time they have done this to me ; although, this is the first time I have had access to the information they were sending out about me. The report has complete untruths on it and reports things that were not already reported for a reason. Bank of America obviously feels free to report whatever they wish and thinks they have no responsibility to be accurate. What they are doing is unlawful and spiteful. If they want me to take my business elsewhere, there are other ways to go about it. 
Also, I shouldn't have to file a lawsuit or become part of one to get help. 
I contacted Bank of America and I was told they just don't know what department they have that can help me, I should dispute is through the bureau they sent it to?!!!
Product: Debt collection

I was paying {$30.00} for over 9 years.online but I was locked out of the online payment and I called several times to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had a conference call XX/XX/XXXX with one of there representative who asked me to pay {$80.00} which I did confirmation XXXX XXXXXXXX. I have tried several call and sent email to allow me to pay the amount that was agreed upon at court and each time they told me they would open back the online portal that I can make my payment nothing happened. On XXXX XXXX I received a Small claims court for XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX. I need some help as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Barclays Bank Delaware Account # XXXX, open : XX/XX/2014, status Paid and closed with {$0.00} balance and XXXX credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only XXXX  has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my XXXX credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from Barclays Bank through CFPB portal as soon as possible to provide to mortgage company. Thank you!
Product: Mortgage

My wife and I were solicited by XXXX XXXX XXXX Bank of America XXXX for a better rate with potential of thousands in savings and the best ever rate on our Home Equity Loan. She promised an smooth fast and solid experience, but instead, Bank of America after running our credit reports ( mine with the wrong last name ) without our consent and without even going through the documentation they refused the loan. 
In addition, XXXX XXXX boss XXXX XXXX XXXX requested that I have to provide reports from all three credit bureaus and he is playing hard ball. Never even apologized, and tried to blame my credit retreval failure to the freeze of my credit account ( my wife 's account has a freeze too, but were able to obtain her credit score-attached, XXXX never disclosed anything about removing a freeze and we were not there anyway, never signed any documents to approve anything ). 
I personally feel that I was discriminated and I can see that there is a conflict of interest giving us the opportunity to save money. We never missed a payment, and we have multiple accounts with Bank of America, and this is not the first time we believe that we have been discriminated. 
We feel they were never intended to approve our application, although our credit is excellent, and we have a lot of equity in our home. There is no absolutely any excuse to deny our application. According to XXXX XXXX, our savings just up to end of XXXX would be about {$1000.00}, but instead we funded 2 monthly payments so far of approx. {$3000.00}. We are seeking legal advice for damages we have suffered, these people are licensed and have obligations. People responsible for our losses and frustration must be help accountable!
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a recent data breach that has led to identity theft, resulting in unauthorized accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that the following accounts be blocked and deleted from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Is incorrectly reporting balances that do not have with them.
Product: Debt collection

The alleged original debt was from XXXX for XXXX of services on an account that had been closed prior. The debt was assigned to XXXX XXXX XXXX XXXX XXXX in 2022. I immediately contacted XXXX XXXX XXXX, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer ( XXXX ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, XXXX did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with XXXX. I did not receive a response. Now, it seems as though XXXX has assigned the item to Southwest Credit. Southwest Credit has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.
Product: Checking or savings account

XX/XX/22 Indemnification Form received, according to PNC 's policy they need this form signed to issue a cashier 's check for any amount above {$25000.00} but the form they sent me is to reissue the check and hold the bank harmless. So if this form needed to be signed for the check to be originally issued and I did not sign it how is it that PNC cut a check for me to begin with? And if they could not have cut me a check, to begin with then how did they lose the original check? 

XX/XX/22 I spoke at length on the phone with a representative about this form he was supposed to relay this to the person assigned to my account he, however, did not, and now the person assigned to my account is requesting this form which I will not sign. I have requested an immediate mailing address for my attorney to mail a letter to and have not received an address yet. 

I will not sign this form because I will be pursuing legal action against PNC for their gross mishandling of my account over the past 4 months and due to the fact that I closed the account over a month ago and I am still owed {$33000.00} from PNC. 


I am filing this last complaint to make a record that PNC will be paying all of my legal fees.
Product: Credit card or prepaid card

Saw in my credit score that someone opened a best buy store credit card in the amount of XXXX in XX/XX/2022. I have not opened a credit card or have been to best buy in a long time. I have been trying to call best buy at the number XXXX to get this matter fixed. but do to holidays unsuccessful at this time. will continue to try and monitor my credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through Discover Bank. Account # XXXX Amount {$800.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Discover Bank to provide documentation and or contract with my signature on this debt and they have not responded.This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Product: Payday loan, title loan, or personal loan

Hello, I got a personal loan from XXXX on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The Goldman Sachs account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the XXXX and Goldman Sachs couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying XXXX {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Recently, I submitted a complaint against XXXXXXXX XXXX through this website. They responded my complaint but they did not solve my problem. Instead, they wanted me to contact Markus by Goldman Sachs directly to refund my money into my account. Apparently, my money was cashed out with another account ( which is not mine ) at Markus by Goldman Sachs. I am attaching XXXX 's response to this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money secured in my name in a cold wallet by Blockfi is trying to be used by Blockfi to satisfy secured creditors in upcoming bankruptcy. They have blocked withdraws of secured funds in a wallet and not allowing access so that they can use the funds to pay creditors. I just want the ability to withdraw my own money from my own digital wallet.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report.If XXXX does not have documentation to show these were in fact authorized it must XXXX removed XXXX company is liable under the SEC to follow certain rules. XXXX XXXX file number. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 treasury omg forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

On XX/XX/XXXX my Wife and I settled on a purchase money loan from AimLoan.com for  {$250000.00} against a purchase price of {$270000.00}. We were correctly obligated to pay PMI and did so with each and every payment. 

By agreement dated XX/XX/XXXX, AimLoan accepted us into a Loan Forbearance program established pursuant to the Federal CARES Act. Following a sale of of other property, were able to make a prepayment to AIM on XX/XX/XXXX in the amount of {$240000.00}, thereby reducing our loan balance to approximately {$13000.00}. 

We subsequently voluntarily terminated our forbearance agreement, and by letter dated XX/XX/XXXX, AIM confirmed that we had terminated our forbearance. We resumed our monthly payments via ACH. 

In early XXXX, XXXX, upon review of a statement from AIM, I realized that we were still being charged PMI despite the fact that our mortgage balance had been reduced to approximately {$13000.00} upon a property valued ( as of less than 1 year prior ) at {$270000.00}. I contacted AIM to ask for a review and an appropriate refund of the PMI payments, and have now received a letter from AIM refusing my request. 

The stated reason given by AIM is You had payments 30 or more days delinquent in the past 12 months. We were never delinquent in any payment. The only interruption in our timely payment history was the 2 month period of forbearance and, to my understanding, treating a borrower 's participation in such a program as any violation of the terms of a mortgage loan is prohibited by the Federal CARES Act. 

I believe that by construing payments subject to the forbearance agreement as delinquent is unfair, unjustified, and contrary to Federal Law. Refusing to abate charges for PMI following reduction in my loan amount to roughly 5 % of the property value is unfair, unjustified, and contrary to Federal Law. I ask the CFPB to pursue my complaint and, if I am correct in my legal analysis, to ensure that AIM reimburses me for prior unjustified PMI payments and halts all further PMI charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago i XXXX XXXX XXXX XXXX a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
Product: Debt collection

I am writing to inform you that my bankruptcy case has been discharged, and I am no longer liable for debts included in the filing. My attorney has advised that I send a copy of the discharge papers.