23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries and I have tried to reach out to equifax to have them removed. These are the following involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX [ XXXX XX/XX/24 Regional Acceptance Corporation. 

Dear Sir/Madam, This is a notice to formally dispute the inclusion of an account on my credit report maintained by XXXX and XXXX account number XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am demanding the immediate removal of this account from my credit report. 

The FCRA is federal legislation designed to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It establishes consumers rights to have accurate credit reports and protects against the inclusion of erroneous data, whether willful or negligent. 

Under 15 U.S. Code 6801, financial institutions are obligated to respect the privacy of their customers and safeguard the security and confidentiality of nonpublic personal information. This includes information related to consumers credit history and financial transactions etc late payments/charge offs are transactions and experiences between consumer and a Financial institution. 

Furthermore, 15 U.S.C. 6802 outlines obligations regarding the disclosure of personal information. As part of this dispute, I am requesting copies of any disclosures made regarding my personal information, including those with my wet ink signature, in accordance with this statute. If you cant supply disclosures with my wet ink signature again you must remove account from my consumer reports. 

It is important to note that the provision you cited, 15 U.S.C. 6802 ( e ) ( 6 ) ( A ), does not apply in this situation, as it pertains to scenarios involving fraud or illegal activities. This dispute solely concerns the accuracy and inclusion of information on my credit report, not matters related to fraud or illegal activity. 

I kindly request that you conduct a thorough investigation into this matter and provide written confirmation of the removal of the disputed account from my credit report within the legally mandated timeframe. 

Please treat this communication as a formal dispute under the FCRA and respond accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist.. ( please remove this account before I seek litigation for the defamation of character. ) XXXXXXXX XXXX  BAL. {$0.00}, XXXX XXXX Bal. {$20000.00}
Product: Checking or savings account

I leant an older phone ( XXXX XXXX  ) to my cousin. All apps had been deleted. My cousin was able to download the apps again, including robinhood app, and access my account to execute 5 unauthorized purchases. I have filed a police report and been in contact witht he merchants as well as robinhood. They refuse to to accept responsibility that their app is not secure and that it allowed unauthorzed charges in my account. I was in Louisiana when these took place and the phone was in California.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Nad TransUnion Credit Bureaus on XX/XX/XXXX 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. 
XXXXXXXX XXXX Balance : {$7900.00}
Product: Mortgage

This is the second time I have tried working with Chase for a loan modification due to financial hardship. In XXXX I had to send repeated requests. They kept telling me my paperwork was expired by the time the finally got around to reviewing it. After a year of doing this, I finally received a letter advising me they had no options for assistance. On XXXX XXXX, XXXX I faxed a request for loan modification once again. I was advised it would take about 5 business days to be reviewed & that Chase had changed their process from the last time I had tried to get a modification. Supposedly the process would be more consumer friendly. On XXXX XXXX, XXXX I contacted Chase because their website did n't show any information regarding my request for loan modification & I also had not been contacted like I was advised I would be. This time I was advised they did n't see anything being reviewed. I advised her of the date I sent the fax & was then advised that she could see the complete application but it had not been reviewed OR opened. I was then advised that I should just resend my request because it would be faster to get it reviewed. I was told that would take 2 days from when it was received versus the XXXX10 days it would take if she forwarded a request. I have very little faith in Chase 's ability to handle or process this request due to the horrible way my previous request was dealt with. They already are off to a bad start if they have information but ca n't bother to review it. While I do understand it 's not their fault my mortgage is past due, I think their lack of proper handling is an issue. No one ever seems to have answers & I never get the same information. Thank you for your time in helping me get this resolved.
Product: Credit card or prepaid card

On XX/XX/2019, Bank of America initiated a refund of {$1300.00} that I have overpaid for my credit card a few months before. The statement appears as CREDIT BALANCE REFUND DEBIT. Initially, I contacted the bank immediately after the credit card became {$0.00} and the bank assured that a check was on the way to my address. Unfortunately, I never received a check and since moved to a different address. I have contacted the bank a few months later and the bank assured that the money would be deposited back to my checking account. Nothing happened. I contacted them again this year, FOUR times in a span of two months, after forgetting about the problem. Most of the calls repeatedly assured me that the credit refund would be deposited into my checking account. Still, nothing happened even after the promised time period of two business weeks. The second last time I called, the rep said that the check was actually cashed out in XXXX/XX/XX/2019. I demanded a probe into the stolen check as I have never received any and there is no record of me cashing my check into any of my accounts ( BoA is my only bank ). Today I called again, after two weeks, and the rep said that he couldnt find the refund transaction because his record could only go to XX/XX/2019. In essence, BoA has taken the money and basically ignored my requests for checking into the issue. Most reps just replied with reassurances that my refund will be deposited into my checking, even though the lost/stolen check was already cashed by someone else.
Product: Debt collection

I am XXXX XXXX XXXX, My right to Privacy 15 USC 1681 sec 602 has been violated by Portfolio Recovery associates and XXXX XXXX 15 USC 1681 sec 604 A 2 Permissible Purposes, Portfolio Recovery associates used my consumer report that XXXX furnished without my written instructions, to use the XXXX Postal service to mail the validation of debt notice to a undeliverable Address 18 USC 241-244 under color of Law and willfully deprive me a right to dispute. 18 USC sec 1341, 1342, 1343 wire fraud fictitious Address, Mail fraud, a person commits Mail fraud when he engages in a scheme to defraud, with intent to defraud and uses the XXXX mail in furtherance of that scheme. I still as XX/XX/year> have not received the validation of debt notice. Also by using XXXX mail sent to a undeliverable address exposes information to a third party 15 USC 1692 b, A Debt collector may not communicate in connection of a debt in the absence of a court order or prior consumer consent given directly to the debt Collector .This was Done Deliberately and Intentionally.
Product: Credit reporting or other personal consumer reports

15 usc 1681 section 602 : I have the right to privacy. 

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

Interest rate is 58.79 % The payments are forced electronic payments and they are unwilling to work with me to lower interest rate. They are a predatory lender
Product: Mortgage

We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.
Product: Payday loan, title loan, or personal loan

These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.
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, theri 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, and I seek appropriate redress for these violations.
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXX in the XXXX, I sent, according to the bank 's instructions, a transfer form for XXXXusd to my investment account in XXXX XXXX ( broker 's account ) After all day Friday with no response, I contacted the bank 's customer service to get a response. At the end of the same day, they tell me that the bank does not want to make the transfer because the money had entered less than 10 days ago and the amount was very high. 
Accessing what the bank indicated to me, on Tuesday, XX/XX/XXXX, I again request the bank transfer for XXXXusd via email and the bank does not respond to me again. 
Being today, XX/XX/XXXX, I keep trying to receive a response from the bank and I still can not use my money. Nobody responds. 
I understand that it is my right as a user to have my money. At the time of opening the account, the bank did not specify that it could not receive and send transfers. Nor did they tell me that at some point I would not be able to have 100 % of my capital
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. It states XXXX made a Bank / Credit Card Inquiry by checking your Transunion Credit File. It declares : Credit Alert New Inquiry Reported By XXXX Reported On XX/XX/2020. I understand when you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. This inquiry was made by https : //www.finder.com/barclaycard-pre-qualify-credit-cards online website. I remember working with Barclaycard.com on XX/XX/2020, as they are the company I used for a pre-qualified credit card application. ( see attached screenshot on attached letter ) However, I applied with the understanding this would NOT be a hard pull on my credit report. Pre-Qualified has the benefit of No effect on credit score. 
Under no circumstances did I approve a hard inquiry to my credit report. XXXX website clearly states pre-qualified. 
Transunion sent a letter on XX/XX/2020, stating inquiry stays on your credit file for two years and the XXXX website clearly states this for pre-qualified application.
Product: Mortgage

XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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: Debt collection

On XX/XX/XXXX I received a phone call stating that a XXXX XXXX had received my file via fax and she was going to serve me court papers on Friday XX/XX/XXXX. They also left this same voicemail with my name on three other peoples phone. I called the number back and spoke with a guy who said I owed XXXX from XXXX. He said it was for a bank account and I asked him to send me information on what I owed. He said the only way I could see that is if I didn't pay and got sued. Then I could ask for it from the Judge. I told him I would not pay this without seeing what the charges were for. They have called me 2 more times today.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and notice accounts that I am not liable for the debt and do not have contracts with these credit agencies. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX sold information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX amount of bill {$2300.00} collection/chargeoff. Making sure everything followed by law. 

Dispute all XXXX things XXXX. XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX XXXX Bank {$810.00} XXXX/ Speedy XXXX {$450.00} XXXX funding {$560.00}
Product: Credit card or prepaid card

Fraud charges have been filed, talked to agent, sent out response letter to Citi Bank and neve resolved my dispute and all fraud charges are still on my account. 
No body contacted me ever since I filed the dispute fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been on PNC for months about never crediting my Cash Rewards Visa Signature Credit Card with the welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of you ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous!! First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. My girlfriend pointed it out to me and reminded me a numerous amount of times to spend a certain amount in order to get that bonus. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If we knew that PNC was going to try to screw me over and not give me my bonus as promised, one of us would definitely have screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. 

Please note if PNC tries to contact me their attempt will be disregarded. I have already spent a total of an hour on the phone with them several times over this matter. They need to just put the credit on my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. XXXX  XXXX XXXX : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. Syncb/CARECR ; opened XX/XX/XXXX ; Account # XXXX* 4. XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. SYCB/CARECR : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) acct # XXXX The following inquires were not authorized by me : 1. XXXX  XXXX XXXX XXXX Bank ) XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft following major data breaches that compromised my personal information. Specifically, my sensitive information was exposed in the XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and the XXXX XXXX XXXX ( XXXX XXXX XXXX  ). These breaches released key personal information required to open fraudulent accounts, which have been used without my knowledge or consent. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent accounts resulting from identity theft blocked from my credit report. Additionally, as per 15 U.S.C. 1681i, you are required to investigate disputed information promptly and remove any unverifiable or inaccurate data.
Product: Checking or savings account

I did a mobile deposit of a paper check from my employer on XX/XX/XXXX. They placed a hold on the deposit that day. On XX/XX/XXXX the bank emailed me stating my deposit hold was released. However, they did not actually release my funds. I called the bank to inquire and they told me the deposit hold was no longer in place but that my funds would not be available until XX/XX/XXXX. For that they didnt it provide a reason.