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

I recently discovered several accounts on my credit report that I do not recognize, which suggests potential identity theft. I believe my personal information has been used without my consent. The fraudulent accounts include : XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$400.00} XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$31000.00} Despite my efforts to secure my information, these fraudulent charges have caused significant damage to my credit standing. I am seeking assistance in removing these fraudulent accounts from my credit history and preventing further misuse of my personal information.
Product: Debt collection

I got a copy of my credit report and I saw several accounts that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Elevate Reco
Product: Credit reporting

I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
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: 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 financial loss,
and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no money.
Product: Debt collection

I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Please find the details of the disputed account below : XXXX Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report. 

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.
Product: Mortgage

I XXXX XXXX had a mortgage loan with Selene Finance, LP., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX Identified as Loan # XXXX, for property located at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I sold the house and closed on XX/XX/XXXX. Selene Finance provided a pay-off letter to the closing agent, XXXX XXXX, XXXX in XXXX, XXXX, on XX/XX/XXXX at XXXX XXXX reflecting a pay-off balance of {$240000.00}. on the same day, on or about XXXX XXXX I made a payment in the amount of {$2100.00}. However, the payment was never credited to the pay-off balance and the pay-off letter was never updated. The closing statement reflects a payment made to Selene Finance for the full pay-off balance in the amount of {$240000.00}. When I made my last mortgage payment on XX/XX/XXXX, the statement reflected a pay-off balance in the amount of {$240000.00}. 

I contacted Selene Finance and requested a full refund of the last payment made in the amount of {$2100.00} since the payment was made after the pay-off letter was provided and was never credited to the pay-off balance. I also submitted a request in writing to Selene Finance, but I have been ignored and Selene Finance Refuses to send me the overpayment. 

By way of this complaint I am asking the Consumers Finance Bureu to assist me in recouperating my overpayment in the amount of {$2100.00}, plus the insurance reimbursement made by the homeowners insurance company. 

Additionally, Selene Finance, always charged more escrow that was required and never refunded any excess payments made on the account during the term of the loan. 

I could be contacted by email at XXXX or XXXX. XXXX XXXX, XXXX, XXXX XXXX or on my cellular phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 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: Credit reporting or other personal consumer reports

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I told Westlake financial in no uncertain terms that I could make a payment on XX/XX/XXXX. 
I told them this atleast a week ago, and they have continued to call me 7 times a day on my cell and on my house phone. Today they had the audacity to call my office. 
Enough of this XXXX for XXXX!
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX XXXX can never seem to find in their system. I want to close it but they are no help at all.
Product: Debt collection

I lived in the XXXX at XXXX XXXX XXXX back in 2014. There were some issues at this property and I had requested to move before the lease ended. I was advised to pay the lease breaking fee of {$1800.00} and will forfeit my security deposit. I had provided 2 money orders totaling that amount and once I had a walk thru with the property manager and they determined that I have a {$0.00} balance. I have Section 8 and you are not able to move from a property unless you have a {$0.00} balance. As you may know, I still have Section 8. A few years from when I moved from there, I saw on my credit report a balance of {$340.00} and later it increased to {$440.00}. I called the complained on BBB and the management property stated that I owed that money for repairs that were needed. There were no repairs needed when I moved out, which was the purpose of having a move out inspection. I checked in the state of Illinois and the state of Colorado and saw that the collection company IQ Data International IN does not have a license to collect in either state. Please help me to resolve this matter and remove from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute because my indenity was stolen some used my information to apply for credit in my name I summited my identity theft report with my disputes and they still refuse to remove the unauthorized inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of an elaborate online scam in which I ended up transferring XXXX dollars to someone who never reimbursed me. The transaction ( which came from my checking account ) was done on Zelle. The scammers Zelle account was XXXX XXXX and their email was XXXX. Although I spoke to my bank ( XXXX XXXX ) nearly a dozen times, and called Zelle XXXX times in total, I never got answers or an attempt at reimbursement.
Product: Mortgage

Hello! My mortgage lender is Freedom Mortgage. For the most part, they have been a good company to work with. However, I've had an issue regarding escrow and homeowner 's insurance. I had a policy in place with XXXX XXXX XXXX XXXX ( XXXX ). I believe the effective dates were XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX, I received a notice that the premium for XXXX was going to increase over {$1000.00}. Because of this, I reached out to my insurance agent to shop around for another company. They were able to secure me a quote with XXXX XXXX XXXX for much less. 

Freedom Mortgage had already paid out the premium to XXXX, so I requested cancellation through my agent. I received email confirmation that my agent sent the new policy information over to Freedom Mortgage on XX/XX/XXXX. Sometime in the XXXX timeframe, I contacted Freedom to request the status of the premium refund ( I was told to contact XXXX directly for this ) and to let them know the agent sent over the new insurance information. 

On XX/XX/XXXX, a notice of rescission was sent from XXXX 's saying that my Homeowner 's Insurance policy was cancelled due to a lack of premium payment. I received this document on/around XX/XX/XXXX. On XX/XX/XXXX, I immediately contacted my agent to try and figure out what was going on. She informed me that the premium was never paid, and promptly got me another policy. The policy effective date was XX/XX/XXXX. Freedom did pay out this premium on XX/XX/XXXX. 

Due to the lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, Freedom sent me a letter stating that I needed to provide proof of insurance or they would implement " Lender Placed Insurance '' for approximately {$740.00}. I called Freedom, explaining that the original XXXX XXXX policy was put in place, but due to a failure to pay the premium, it was cancelled. They told me it was put into a file, and that they would decide what the outcome would be shortly. In the end, Freedom Mortgage put the Lender Placed Insurance in place. I was contacted and told that they had only charged me what I was expected to pay from my original policy, and that they would cover the difference. However, based on my escrow account balance, a total of XXXX was taken out. My policy total from XXXX is {$2000.00}. The 56 days that I was without insurance would have cost me about {$320.00}, not {$740.00}. So even with Freedom 's outcome of me paying what I would have owed, they overcharged approximately {$420.00} from my escrow account. Ultimately, I do believe that, given the circumstances and my due diligence ( not to mention the hours my wife and I have spent on the phone trying to remedy the situation ), Freedom Mortgage should have been responsible for making the payment from my escrow. Thus, the lender placed insurance premium should be paid for by Freedom Mortgage. Thank you in advance for your time spent on this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this credit account XXXX XXXX XXXX   XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

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

It was hard inquiries that was fraudulent & I never applied for. Equifax investigated & found out it was fraudulent activity & they said would remove it. Mailed me a conformation & showing that the items has been deleted but it never was. That's illegal, you can't send me documents explaining it's been deleted and they never deleted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable.
Product: Credit reporting or other personal consumer reports

I am formally disputing an inaccurate and unverified item on my credit report that violates the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX Issue : The account has inconsistencies and unverifiable reporting that require deletion. 
Legal Arguments for Removal : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct an independent and reasonable investigation beyond automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) When notified of a dispute, credit bureaus must promptly correct or delete inaccurate information. 

15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Any unverified or inaccurate account must be deleted if it fails to meet accuracy standards. 
As this account contains conflicting information, it must be removed. Please send a written response within 30 days as required by the FCRA. 

Enclosures : A copy of my credit report with the disputed item highlighted. 
A copy of my identification for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.
Product: Debt collection

Signed an agreement for a reroof and Solar project with Solar Mosaic for $ XXXX on XX/XX/XXXX, construction company got paid by Mosaic $ XXXX on XX/XX/XXXX. On XX/XX/XXXX construction company abandoned the job started with not passing city inspection regulations, got a settlement by contractor insurance company but now Mosaic wants me to pay the full amount of the loan plus register a lien under my name with my property address on XX/XX/XXXX even before project was approved by the City, Mosaic is letting construction companies to used fictions names and using consumer to scam business insurance and customer, Mosaic is using construction companies that arent following the CSLB regulations. 
So now I have a house with an unfinished roof Lawyer expenses Lost {$39.00} XXXX in damages in my house 38 panels that were never work, no inverters no connection with utilities Debt Collection $ XXXX Contractor company will removed panels abs keep them Mosaic wants his money in full Lawyer fee up to {$10.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate XXXX  Remarks : Company Name : XXXX XXXX XXXX