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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting 3rd party services. Which includes the following XXXX XXXX ( Advanced Risk Solutions ) XXXX XXXX XXXX XXXX XXXX CoreLogic
Product: Vehicle loan or lease

on XX/XX/XXXX Westlake financial issued a check in the amount of XXXX for account overpayment which i n never received or was every cashed. So i received from to fill out saying i never received or cashed. they received the form XX/XX/XXXX ever since then its been a battle to get them to cut me check for my money. I only have till XX/XX/XXXX for them to give it back or they submit my money to the CA Unclaimed Property Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was online and looking at possible credit cards, milestone credit card said that they do not put a hard inquiry on your credit report for applying. I applied and within 5 days there was a hard inquiry on my account. After this happened I refused to activate the credit card when they sent it to me and they still open the account and it affected my credit score by XXXX or more points.
Product: Credit reporting

Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.
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 XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE TRIED SO MANY TIMES LETTING THEM KNOW I DID NOT APPLY FOR THIS CREDIT. I HAVE EVEN SENT OUT A POILCE REPORT AND FTC REPORT CONCERNING THESE ITEMS ON MY CREDIT REPORT .HERE ARE THE LIST OF ITEMS THAT ARE WRONG ONE MAIN {$13000.00} OPEN XX/XX/XXXX, XXXX {$92000.00} XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX {$10000.00} XXXX XXXX {$16000.00} OPEN XX/XX/XXXX XXXX XXXX $ XXXX.
Product: Mortgage

I refinanced my mortgage earlier this year. A few months after the refinance, a company called The Money Source took over servicing of my mortgage. 

Soon after The Money Source took over servicing I started receiving letter claiming ( without proof ) that my house was uninsured for one day in XXXX. Because according to their records I was uninsured, they are charging me {$16.00} for coverage on that day. I have called The Money Source multiple times to try to resolve this issue, and have been told everything is okay, but nothing is done. I also had my insurance company call The Money Source to confirm there are no gaps on my coverage. They were told that the letter was probably an error. Nothing was done. 

Today I received a letter stating that I still owe the {$16.00} to The Money Source. I talked to their representative and nothing was resolved. 

I am hoping that the CFPB can be my advocate in this issue. Please let me know of any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, BB & T DEALER FINANCE add a hard inquiriy on my credit report per XX/XX/XXXX. 
OnXX/XX/XXXX add a hard inquiriy on my credit report perXX/XX/XXXX 
On XX/XX/XXXX - XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any contract with XXXX # XXXX ( XXXX XXXX  XXXX, XXXX , IL XXXX ), I don't have any contract with XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX , TX XXXX ),  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX is an incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Debt collection

I was contacted my a member of Richard Sokoloff 's office who threatened to sue me regarding XXXX outstanding debts ( less than a year old, less than {$300.00} each ). I was not notified via written mail details of the debts they were collecting to attempt, or over the phone. Due to the fact I was caught off guard by her phone call and scare tactics, I provided my credit card information to her over the phone. After researching the XXXX name, Richard Sokoloff, I realized that there are many outstanding complaints on him and that he was in fact censured and has been been disciplined by a state licensing authority. This office needs to be shut down, before more consumers are hurt and taken advantage of.
Product: Prepaid card

Cashapp took money out my account and didn't pay the merchant
Product: Money transfer, virtual currency, or money service

Square closed my account and has not given a direct reason that explains why my account must be deactivated. I am aware of squares terms and conditions and what can cause an account to be deactivated. I have not broken any of the terms and conditions, nor have I experienced any chargebacks. My business is not considered high risk, I own a legitimate small catering business. I have been face to face with every client thus far, as expecting in the food industry. I personally know of 23 people with similar business models using square and I find this to be unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I got an alert that my credit score went down upon checking I found 2 fraudulent accounts on my report I immediately filed a police report for identity theft the fraudulent reports are XXXX XXXX XXXX  for the amount of XXXX dollors and FAIR COLLECTIONS & O for the amount of XXXX I have no knowledge of any of these accounts
Product: Credit card or prepaid card

Item ( The XXXX XXXX x XXXX down jacket ) was purchased on XX/XX/2022 for a total of {$2700.00}. Item was allegedly delivered on XX/XX/2022 and signed off by buyer. this is incorrect because buyer was not in the dwelling to receive the package. Buyer requested proof of signature to verify signee. Buyer reached out to merchant. Merchant did not provide any updates nor alternative solutions, besides " we'll look into it. Buyer unable to receive updates nor responses from merchant decides to escalate situation to creadit card company. Disputes have bene opening and closing without providing evidence nor a written statement providing a detail brief of what was found in investigation. Buyer simply gets email noting. dispute has been in favour of merchant. dispute keeps opening and closing without proof nor reaching out to buyer regarding outcome, nor answering buyer 's questions. Credit card company keeps saying they will investigate, but instead, dispute keeps getting closed and my evidence keeps getting taking down everything they close the dispute. credit card company has proof me reaching out to merchant, trying to receive answers. and merchant does not repond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Product: Mortgage

I started the refinance process on 2 of my properties with 5/3 bank at the end of XX/XX/2020. I contacted them approximately 2-3 weeks after I submitted the paperwork and was given the run around. The mortgage official would not return emails or phone calls. Once I received a response I was told it would take 30-60 days. It quickly changed to 60-90 days. I am a few days away from the 90th day and I still have not closed and do not have a close date. This program was under their easy refinance program. If I start the process with another mortgage company I will be charged the appraisal and other fees from 5/3 bank. I have co workers that have purchased and refinanced homes starting in XXXX with less than a 30 day close with other financial institutions. My credit is north of XXXX and I make XXXX per year. Will you please look into this for me? 
Thx
Product: Credit card or prepaid card

On  XXXX   XXXX  I received a reply from Chase Bank in regards to my complaint. They stated they would not correct or take further action towards my account. However, they stated as a form of a accommodation they will request from credit reporters to delete lines. I want to request that  Chase  does not delete my positive history and indicate that the account was paid in full and is in good standing, closed. If deleted, I want it to be indicated that I am had made all payments and it was a positive debt or report of accounts. I do not want it to be deleted as poor standing etc.See previous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX  reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Product: Mortgage

Received correspondence today XX/XX/18 that my home ( XXXX XXXX XXXX XXXX, XXXX PA XXXX has foreclosure sale date of XX/XX/18. Wels Fargo Home Mortgage did not notify me of this action and im only outstanding for 2 Months payment. This is a shocker, because I made payments totaling $ XXXX months of XXXX and XXXX notwithstanding being unemployed, and monthly payment is $ XXXX/month. I have been in correspondence with them and no one informed me of such action
Product: Money transfer, virtual currency, or money service

My be coming up miss out of the account XXXX  times, and I called the number they have on the website to file claims against the unauthorized transactions and they decline all of my claims to not give me all my money back, not the first XXXX  or XXXX  time cash app
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I made an international money transfer through my REMITLY mobile app to XXXX.I transferred the sum of {$1000.00} to my recipients XXXX XXXX XXXX account in XXXX using my debit card. And my this transaction showed successfully delivered to recipient right away. When my recipient went to retrieve the money, the banker official said the money isnt there.i then called Remitly and they said I must provide a bank statement to prove this which I did 2 days later. I have continued to call and exchange emails with Remitly and have even sent another bank statement after 2 weeks of not receiving the funds.during some of my calls and emails with them, they mentioned that they do not service dollar to dollar transactions.unfortunatelly I wasnt aware of this at the time of making my transfer which means my money is hanging somewhere other than my recipients account if they do not accept dollar to dollar. But until now, Remitly is still giving me a run around and have refused to Re-embuse me or find the money.its almost a month finding my hard earned money .please help me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit file where I noticed several issues I contacted the credit bureau and advised them of said errors however some of the disputed incorrect items are still appearing on my credit report ... all errors are listed below 1. Incorrect name appears on report I was previously the victim of IDENTITY stolen the person who used my information used the name XXXX XXXX my legal name is XXXX XXXX XXXX and Im have provided proof of legal name change I was allowed to change my name back to a previous name as the XXXX name was stolen ( presumably by previous family ) and also tied to XXXX XXXX for my safety I have requested that only the name XXXX XXXX XXXX be listed on my file any valid accounts would have the name XXXX XXXX XXXX 2. There is a bankruptcy listed in my public record section of credit report this is not my account ... I asked Experian to confirm the source of this information they state XXXX county courts however they have no record of this information and advised that they have not and do not report to Experian
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account XXXX : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.