23daVinci/CFPB_Complaints huggingface dataset:
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 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$43000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Product: Debt collection

Received a voice mail from an XXXX XXXX stating she was from XXXX XXXX XXXX XXXX. Said she had a summons to deliver to me and would be there Friday morning between XXXX and XXXX and wanted to be sure I was there. Also called my mother and demanded she contact me. My mother said please do not call her she was told they have every right to call as she was listed as a reference and the only person who could take her off would be me. I called th number given in the voice mail XXXX XXXX XXXX. I was transferred to a man who refused to tell me what this was about and told me he will continue to call my mother as he has every legal right to. Told me that he understood it would be hard for me to understand since XXXX XXXX has XXXX of the lowest XXXX 's in the nation. Said I was a XXXX debtor and he was sure I was getting calls from other people because I was XXXX and I didnt pay my bills. I asked what this was in regards to he said we just need to know if you will be home Friday cause we have been there before and no one was home. Told him they have called me before and he said that was a lie and that I was a liar. I asked him again what this was in reference to he refused to tell me. He continued to berate me and call me XXXX and a low life etc. This is clearly a debt collector and the number is registered to XXXX XXXX. If this was a legit legal issue there would have been a local number and the address they are trying to serve me at isnt my current address it is my ex-husbands house. If it was XXXX XXXX County they would know my address. My ex works from home and said no one has ever been there before and said this is a scam and to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over a dozen times to reach EXPERIAN on the phone. They have made it impossible to speak to a live person. I have resorted to emailing their CEO, XXXX XXXX to have someone contact me. I need to speak to someone to thaw my credit freeze because I'm applying for credit.
Product: Credit card

As a Chase XXXX XXXX XXXX Visa card holder, I was solicited by Chase around the XXXX to invite my friend/family to apply the same credit card. I was promised for each approved Visa card, I 'd get XXXX XXXX XXXX miles. I gave my fiance 's name and her email to Chase. And soon after, she started to get a few emails from Chase ( She had never done any business with Chase before. ). She used one application form from Chase with my XXXX mileage number ( XXXX ) on it to apply and got approved for her Visa card. But the XXXX miles as my reward have never come. I started to call Chase in early XXXX and spent countless hours with different service representatives. But Chase refuses to keep its original promise of XXXX XXXX miles and also refuses to send me copies of the referral form I submitted and the Visa application form submitted by my fiance. This shows how arrogant and dishonest a big bank like Chase treats little customers nowadays. 

My Chase Visa card that Chase solicited for its business : XXXX My fiance 's Chase Visa card as a result of my invitation : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer App ( 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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Filed : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached ongoing dispute regarding deliberate inaccurate reporting past due over 120-180 days and a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car with CPS was repossessed after XXXX XXXX bankruptcy they sold the care settled the debt. I don't owe the charged off balance due. I want to dispute this off my record
Product: Mortgage

I made my XXXX mortgage payment early in XXXX. The mortgage company 's website said my next payment was due in XXXX and showed the next automatic debit scheduled for XXXX XXXX. 
On XXXX XXXX the mortgage company debited my account. I called Customer Service on XXXX XXXX in the afternoon and requested a refund -- I then emailed Customer Service requesting the refund with a screen print of my bank account showing their debit. I was told that a refund would take XXXX business days. 
On XXXX XXXX ( 2 weeks later ) I called Customer Service again. No action had been taken regarding my refund! Customer Service said they would speak to management and expedite the refund. 
On XXXX XXXX ( 1 week later ) I called Customer Service again. They said a paper check had been put in the mail on XXXX XXXX, and I should expect it within 5-7 business days. 
My Problems : 1 ) The website is not accurate and customer service is not aware of it. 
2 ) Customer Service was unresponsive for 2 weeks on the refund. 
3 ) Zero communication from the mortgage company about the refund. 
4 ) Refund is not in-kind -- they took my money by direct debit, but then refund by check which will take 5-7 business days to arrive and then multiple days to clear my bank account. Meanwhile my next payment is due in 4 business days.
Product: Mortgage

Purchased the home of XXXX XXXX XXXX in XXXX, NC XXXX with a Wells Fargo home loan. We attempted to have the loan modified for a couple of years from 5.6 to 3.5 percent but were denied. Wells Fargo would not do a loan modification over the course of about 3 years. Wells Fargo would not return our calls while we awaited anxiously as public school teachers with little money as the State of North Carolina did not give my wife and I ( both teachers at the time ) a cost of living raise for 7 years. 
Ultimately Wells Fargo foreclosed on our home before any attempt to help reduce our payments after being in the home about 10 years.
Product: Credit reporting

Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my XXXX report and lengthy comment on Experian with 90 day extension. The exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XX/XX/XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following accounts deleted as soon as possible : XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. CHILDSUPPORT XXXXXXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

FOR THE RECORD THISBIS NOT A COMPLAINT THIS A CLAIM BY A LIVING MAN NON ARTIFICIAL PERSON XX/XX/19 We have orginal in good faith sent a affdavit of truth in reference to this fraudulent loan number # [ XXXX ] attach to our private property which has been rebutted under penalty and perjury without any response point for point. We have been very patient with these perpetrators and still no remedy. This will be the Cfpb Actual notice of crimes currently ongoing. These individuals unlawfully actions are directly responsible for the distress financially emotionally and mentally over the past 24 months and counting. While during a pandemic these individuals sent people to our private property against our consent on two occasions .Attach is prima facie evidence and the CFPB must uphold the law or be expose to charges as well .We the people are free and owe no obglations to this artificial enity. As public servants who are only here to sereve us your MASTER We demand for this cliam to be addressed Immediately. First and foremost this fraudulent debt that doesn't exist must be erase in compliance with the bill of rights but more specifically title 15 is self explanatory and must be compeststaed as well for damages. Thank you in advance for your service which you have a duty to provide. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Product: Mortgage

Applied for a VA refinance of my conventional loan through XXXX XXXX. 
I have been charge closing cost totaling {$34000.00} to pay certain bills. 

Sun West Mortgage Company , Inc. is the lender of the loan # XXXX working with mortgage broker XXXX  XXXX, XXXX. Thus far the loan pay off to the XXXX of {$510000.00} is not paid. This group has serious problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.
Product: Credit card

On XX/XX/year> I received a Cash App Credit Card in the mail. I don't use Cash App and I did not apply for this credit card.
Product: Credit card

Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.
Product: Credit reporting or other personal consumer reports

i only have one account with XXXX XXXX account. the correct inquiries are on XXXX. 
The other inquiries aren't incorrect are the following : XXXX XXXX  XXXX and noncom/road runner motor XXXX i don't recall making an application or have an account with this companies. 
i only have one XXXX XXXX inquiry i do know is mine. 
( XXXX ) i already try reaching out to the following companies.
Product: Debt collection

On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. 

So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. 

I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/2018 around XXXX.
Product: Money transfer, virtual currency, or money service

I had my Wise accpunt closwd for not or undisclosed reasons, and I had in the excess of XXXX dollars balnace with them. After 60 days of requesting my funds deposites back into my XXXX accpu t, where tbey withdraw the money from to fund the balance, I have not received said refund. 
They already responded to an appeal to have my money back and said that the funds were already returned to my XXXX account, but they have not. 
There leave you no way to contact their support team to resolve the issue, not any other option to reach such team. 
So basically they are trying to steal/ keep my XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a copy of my credit report as held by Experian ; as an Adverse decision was made today to a request I made for credit with XXXX. Online I can not make the request for a copy of my report without an account or payment. I can not make inquiry by phone without providing my social security number, which is the question the recording leads with. I understand since Experian is the source of the credit information referenced by XXXX on my Experian has a duty to furnish me with that report. I have used the contact information from the denial letter I received with the above mentioned results. This agency is the last listed in the denial I am contacting toget a copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address being reported on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several information that I did not initiate and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.