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

In accordance with the fair credit Reporti act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have th right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late fo purpose.
Product: Credit reporting or other personal consumer reports

After we purchased a car throw a XXXX dealership we started getting charged a monthly fee by Experian unexpectedly. I assume this is tied to their credit monitoring services in some way. However, we never knowingly signed up for any sort of service. When I try to call their customer service line, no matter what options I choose I can never get to an actual person. It just says it can only route me to a specialist under certain circumstances and then directs me to their website. I do not have a login or account on their website, and my wife 's account shows that she is under the " free '' plan with no billing information in the account. I tried emailing their customer service email, and got an automatic response saying the mailbox has been discontinued. It is quite literally impossible for me to stop these monthly charges. I'm not even sure if it's myself or my wife who is technically incurring this charged as it is being deducted from our joint bank account. 

I went to their XXXX page as a last resort and found multiple comments saying the same thing about being completely unable to reach an actual person to resolve their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding the Payment History portion of my Equifax credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | Student Loan | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXXk XXXX XXXX XXXX | Open Account -United States Department of Education | Student Loan | Open Account
Product: Credit reporting or other personal consumer reports

Applied for consumer load with XXXX ( XXXX XXXX ) on XX/XX/year>. Over the course of 4 days, XXXX did 7 separate hard pulls on my report from TransUnion yet they insist they could not access my file. I was even told by one rep that they didn't do a " hard pull ''. I can see the injuries and have asked that they be removed. XXXX says they can not remove them because they never accessed the account. TransUnion says I have to dispute them with the lender. No one will accept responsibility.
Product: Credit card

On XXXX my wallet was stolen and my ally credit card was used on those XXXX days on the XXXX after I noticed I called and advised them if the fraud and I was told not to worry they'll take care of it as of XX/XX/year> they are yet to remove these charges and will not tell me when the card had a XXXX balance but I'm being forced to make a minimum payment on a balance I didn't create
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers
Product: Mortgage

I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.
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 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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Equifax and XXXX. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
Product: Credit reporting or other personal consumer reports

The credit reporting

agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 )
Method of verification- Description of reinvestigation procedure
Product: Debt collection

Tried to call to find what the debt was. I never opened a credit card and companies would not give any info other than date opened date closed and date bought. Original debtor said debt was bought jobinfo available.
Product: Checking or savings account

Chase bank refused to cash a check because I didnt have an account with them. The branch is in XXXX XXXX Louisiana. The check was written by their customer. I had to back to the customer and tell them the bank manager said they cant write checks to anyone that doesnt have a bank account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the credit reporting agency to provide method of verification for some inaccurate public records reporting on my credit file that I did not file.
Product: Mortgage

While making the XX/XX/XXXX Payment to Truist - who had just taken over the Mortgage from XXXX  I ran into the following issues : Our mortgage changed hands in XXXX from XXXXXXXX XXXX to Truist. I was sent the attached correspondence from XXXX regarding that Mortgage Payment - that I could wait for the changeover to take place and then make my XXXX payment to TRUIST once the change was setup and I could initiate payments directly to TRUIST - and that the payment would not be deemed late for ( XXXX ) days. I attempted to make that payment on XX/XX/XXXX ; however, I was met with a message that I would have to call TRUIST directly to make the payment ( I attached a screenshot of that message, that " XXXX '' of TRUIST requested I send to him because he said that was an incorrect message ). 

On Monday XX/XX/XXXX I called into TRUIST and spoke with " XXXX '' of the TRUIST Bankruptcy Department... XXXX stated that due to the Bankruptcy filing I would not be able to make the XXXX Payment - that it would go on the Bankruptcy ... I explained to XXXX that the mortgage would not be on the filing and that I had the correspondence that stated that I had XXXX  days to make the payment since the transition was occurring from my former Mortgage Company ( XXXX ) to now TRUIST ... he then stated that my thoughts were correct. So I continued to make a payment on XX/XX/XXXX for {$1800.00} for the XXXX Mortgage Payment, as well as {$1800.00} for the XXXX Mortgage Payment. " XXXX '' provided me with a " Confirmation Number '' of XXXX. 

I've just received in the mail a Mortgage Account Statement that appears to show that a " Current Balance '' of {$2600.00} that seems to indicate this will be paid by the Trustee ... I'm not sure how this happened or what I need to say/do with TRUIST to set this straight? 

I've paid the XX/XX/XXXX Mortgage, so that is up to date. 

I'm in the process of finalizing a XXXX XXXX XXXX I will be continuing to pay my Mortgage on my own, this will not be paid for through any trustee account.
Product: Credit reporting or other personal consumer reports

Transunion didn't freeze/lock my credit report and because they didn't honor it and opened my account to identity theft and fraud. It's been many companies that have access to my personal information when they shouldn't have had access.
Product: Credit card or prepaid card

On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.
Product: Credit reporting or other personal consumer reports

I spoke with the SSA, CFPB, Transunition credit department before creating this report. Transunion support team told me that they found someone else 's details on my SSN and so they can not put credit freeze on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, and I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were added without my knowledge or consent, and as such, they are the result of identity theft. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and removed from my credit file. 
Fraudulent Accounts : 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: Mortgage

I started my loan application with DHI mortgage in XX/XX/year> for a new build by XXXX XXXX that was scheduled for completion around XX/XX/year>. DHI mortgage was the builders preferred lender and the builder was offering money towards closing if I went with their preferred lender and closing agent. I was pre-approved through DHI mortgage and my loan officer was XXXX XXXX ( XXXX # XXXX ). DHI mortgage utilizes a document portal for uploading documents for your loan. All of my outstanding loan items where complete and my loan was sent to underwriting for review. As my closing date became closer I tried reaching out to my loan officer numerous times to request an updated loan estimate with the current market rate and information on when I would be able to lock in my rate. XXXX XXXX generated a loan estimate for me in the online system on XX/XX/XXXX. As rates started to decrease, I contacted XXXX XXXX via phone on Thursday XX/XX/XXXX. He did not answer so I left a message regarding my request for the loan estimate. XXXX XXXX returned my call Monday XX/XX/XXXX and stated that he would send the updated loan estimate over. I did not receive this estimate so I emailed XXXX XXXX on Tues, XX/XX/XXXX to formally request the loan estimate. With less than 30 days out I have never heard a lender not being able to lock in your rate. However, XXXX XXXX said he was waiting on the builder to advise on closing dates on the new homes before I could lock anything in. 

On XX/XX/XXXX, the builder notified me of my upcoming new home orientation scheduled for XX/XX/XXXX. At this time, i'm thinking as their preferred lender he is aware of the upcoming home closing as he mentioned since he advise me he was waiting on this list from the builder before being able to lock me into a rate. On Monday, XX/XX/XXXX at XXXX XXXX  I give XXXX XXXX another call since the builder has advised that my closing date has moved up to XX/XX/XXXX. At this time, i left another message with XXXX. The closing email was sent by the builder on XX/XX/XXXX, around XXXXXXXX XXXX ; where XXXX XXXX was also cc 'd. 

As of today XXXX XXXX I have not received any communication from XXXX XXXX since XX/XX/XXXX and still had not received the loan estimate I request. Due to the lack of communication and the new closing date I had to choose another lender to try to be prepared to close on time. And go through regathering all the documents I had previously supplied to DHI mortgage. Additionally, since I am now choosing to go with a different lender than the preferred lender I no longer qualify for the builder credit. Lastly, me going with only about 14 days til closing my lender may cause a delay in closing if they can not get the information they are requesting from the title company and DHI mortgage regarding the appraisal in time. If closing is delayed then I will further be penalized XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of XXXX erroneous child support entries on my consumer report. The discrepancies within these entries raise significant concerns regarding their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), as well as the Federal Trade Commissions ( FTC ) guidelines for consumer reporting. The following inaccuracies pertain to the accounts in question : Child Support Account 1 Date Opened : XX/XX/year> Unpaid Balance : {$18000.00} Current Rating : Collection/Charge-off Comments : Placed for Collection This account lists a balance of {$18000.00} with collection/charge-off status but lacks any relevant payment history or evidence of prior attempts to resolve or notify me of the debt. Additionally, the absence of an accurate high balance and the arbitrary comments raise doubt about the validity of this account 's information. 

Child Support Account 2 Date Opened : XX/XX/year> Unpaid Balance : {$8600.00} Current Rating : Collection/Charge-off Comments : Account Seriously Past Due and Assigned to Attorney or Collection Agency Similar to the first account, this listing reflects an outstanding balance without corroborative history or lawful support. The alleged collection status contradicts actual payment efforts and fails to accurately represent my creditworthiness. No detailed payment record, historical balance, or application of funds is provided, further casting doubt on the account 's legitimacy. 

These inaccuracies violate the FCRA requirements, as the FCRA mandates that information on consumer reports be fair, accurate, and substantiated. The discrepancies in both accountsincluding their inflated balances, ambiguous comments, and inconsistent collection actionsdemonstrate the inaccuracies. Therefore, I am requesting the immediate removal of these child support entries from my report under FCRA Section 611 for inaccuracy and incompleteness.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the inaccurate reporting of my credit information and the violation of my privacy rights by Experian, one of the major credit reporting agencies. As a federally protected consumer, I am opting out of the following accounts that are negatively impacting my credit : 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 Despite providing written instructions to Experian to remove these items from my credit report, they have failed to do so, thereby adversely affecting my creditworthiness. Furthermore, I am a victim of the XXXX data breach, and XXXX has reported information without my consent. 

This situation raises concerns about the violation of the Privacy Act of 1974, and I believe several U.S. Codes and regulations are applicable to this matter : 1. **15 U.S. Code 1681b : ** Permissible purposes of consumer reports 2. **15 U.S. Code 6801 : ** Protection of nonpublic personal information 3. **15 U.S. Code 6802 : ** Obligations with respect to disclosures of personal information 4. **CFR 1016.7 : ** Disclosure of adverse action 5. **12 CFR 1016.10 : ** Form of disclosures 6. **12 CFR 1022.24 : ** Privacy of consumer financial information 7. **16 CFR 313.1 : ** Definitions 8. **16 CFR 313.7 : ** Violations deemed unfair practices under Section 5 of the FTC Act 9. **Fair Debt Collection Practices Act ( FDCPA ) : ** Pertinent to XXXX XXXX XXXX I request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to take appropriate action to rectify the inaccuracies on my credit report and ensure compliance with federal laws and regulations. 

Please Remove all items that are negatively impacting my credit and causing undue emotional stress I appreciate your attention to this matter and look forward to a prompt resolution. 

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

I contatacted XXXXXXXX XXXX and showed proof that the debt was connected with fraud and they indicated they would remove it from my credit report and has yet to do so .Paid off Balance {$77.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX When speaking to the Experian agent they indicated they would remove it and has yet to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Did not authorize these companies to run my credit nor recognize the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}
Product: Credit card

Capital One gave me three late payments for the month of XXXX, XXXX, XXXX, of XXXX  you used to go pay with them with a debit card they changed their system up and started making you have to use the bank account I had XXXX XXXX so I wasn't able to get there to open up no bank account and do all that stuff so that's what my payment was late I talked to him I asked him can he help me out they told me no