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

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

Hello I am authorizing this complaint on my own behalf. I am extremely upset with Experian. They have not provided any an information or attempted to investigate my dispute. I demand that this item be removed from my consumer report or I am going to take legal action regarding this grievance. This inaccurate information being reported on my consumer report is preventing me from being able to purchase a home. I want this item related to XXXX. XXXX, XXXX account - XXXX removed from my consumer report immediately. Ive never done any business with this company. This extremely upsetting and stressful that the are not complying with my request and I want this removed immediately. I cant believe you guys are letting them do this and cause this kind of stress to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove outdated negative information from my personal credit report. There is an account with XXXX XXXX XXXX XXXX with a XXXX balance that has late payment history from 2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Equifax multiple times yet they refuse to delete the outdated information. They do not list a date of first delinquency on my credit nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
Product: Mortgage

Our company financed a manufactured home that had am active lien from another lender on XX/XX/XXXX. We have not received a lien release at this time and it has been over 60 days since the prior lienholder has received the payoff. We can not currently apply for this title and secure our colleterial. 
After closing we sent the payoff amount to the current lienholder. We did not receive a lien release as of XX/XX/XXXX and contacted the company. They asked for authorization documents to release information to us and would take another 5 days to upload into their system. We faxed over the authorization documents the same day. We contacted them on XX/XX/XXXX and were told that they received the authorization documents but to wait another XXXX hours for them to be uploaded. Contacted them again on XX/XX/XXXX and was told that the payoff was received on XX/XX/XXXX and they would release a lien release within 30 days on XX/XX/XXXX. Contacted them on XX/XX/XXXX and was told that they issued a paid in full letter on XX/XX/XXXX and a lien release on XX/XX/XXXX. We asked for copies to be faxed and was told they would fax them to us. Contacted on XX/XX/XXXX and was told that both letters were not scanned into their system yet and could not fax them and to try back in a week. On XXXX and XX/XX/XXXX we were told the same thing again. We contacted the county that the home is located in on XX/XX/XXXX and told they had not received a lien release. On XX/XX/XXXX, we contact a 3rd party company hired by the existing lienholder to assist and told to follow up with them the following week. Contacted the 3rd party company on XX/XX/XXXX and XX/XX/XXXX, we were told they were hoping to have the lien release letter to us that week and to follow up on XX/XX/XXXX if not received. We contacted them again on XX/XX/XXXX and were told we would have the documents by XXXX. Contacted again on XXXX and told they are hoping to have the documents by XXXX.
Product: Debt collection

i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, XXXX. took more than 30 days to verify the accuracy of the following disputed information pursuant to 15 U.S.C 1681i. These complaints are as follows : XXXX, XXXX, XXXX. According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Transunion, LLC. must delete this disputed information which has not been verified. If this information is not removed in ( XXXX ) days, a lawsuit will ensue in XXXX XXXX court by-virtue-of XXXX XXXX and XXXX Laws. THIS IS INTENT TO SUE! I will assess a {$1000.00} per day fee upon receipt of this NOTICE until deletion of this inaccurate information pursuant to 15 U.S.C 1681n.
Product: Credit reporting

Unlike XXXX and XXXX, Equifax has merged my credit report with that of my sister. I disputed all of the inaccuracies with Equifax almost a month ago. For the disputes to be processed, I faxed them a copy of my driver 's license and social security card, uploaded a colored photo of my driver 's license and social security card on the dispute page on their website and e-mailed them a colored photo of my driver 's license and social security card at XXXXXXXXXXXX. YET they still refuse to process my disputes and keep sending me emails ( where they address me with my sister 's name instead of my name ), asking me to fax them a copy of my driver 's license and social security number. I sent them numerous e-mails on different dates ( please see attached ) yet they still keep asking for the very information that I already provided them!
Product: Checking or savings account

For two weeks now, I have tried to get Citi Bank to update the information they incorrectly sent to the IRS on a Form 1099-INT. On XXXX XX/XX/2022, I cashed in several savings bonds and received a transaction report. I received no other documentation except the overall total of what Citi Bank at branch XXXX- XXXX XXXX paid. Despite several phone calls, Citi does not understand how to update the form to reflect the savings bonds interest and despite a case being opened up, there appears to be no one at Citi customer service that understands how to reflect interest from savings bonds.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), I request that they be removed immediately. 

The inquiries in question are : 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  These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, only authorized inquiries with my explicit permission should appear on my credit report. 

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

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

I have a hard inquiry on my credit report from Capital One Auto Financing from XX/XX/2019. 

I did not contact Capital One about auto financing and therefore did not approve an inquiry into my credit file and I need this removed immediately.
Product: Credit reporting or other personal consumer reports

I have never conducted any business with XXXXXXXX XXXX ; however, I recently discovered a closed account on my credit report that was charged off as a bad debt with a profit and loss write-off associated with this institution. This account is fraudulent, as I have never resided in XXXX
Product: Credit reporting or other personal consumer reports

The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the XXXX of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.
Product: Credit card

I had a temporary account with Chase Bank ( set up in order to receive a payment from another Chase customer ). In XXXX of 2016 I received a letter saying that a credit card application in my name was submitted on XXXX XXXX and denied because it was a duplicate application. I never applied for this credit card. When I called Chase Bank to sort it out, I found out that there was an application submitted on XXXX XXXX as well, and that was accepted. Again, I never applied for this. I spoke with a cust. rep and cancelled the card. And told him this was fraud. They said there would be a private investigator who would contact me, and to this day, they have n't. The cancelled card ( which was apparently already in the mail ) came to my address. I am beginning to think that CHASE bank used my information that was in their system to fraudulently open a credit card. I have n't had any other instances of a stolen identity or odd things reported on my credit score or in any of my other accounts since that incident.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Accounts that are being challenged XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

Hi, So I have been trying to get help with the theft of {$640.00} that occured. 

- I'm XXXX and stopped taking a herbal supplement. The doctor said to start again. This led me to social media to find a certified Michigan based business. 

- I was approached by an account which was verified by the original business that it was an imposter ... after the robbery. 

- I sent my ID and card info because he said it was state regulations. 

- I couldn't figure out how to pay him, he wanted XXXX and I've never dealt with it. It's too complex for my simple brain. 

- he got frustrated I couldn't get it to work, so he drove from I don't know where. With his in person coaching I still couldn't figure it out. 

- out of anger, he pulled the phone from my hands. I suffer nerve damage and have a weak grip. 

- Since I had attempted already, the app and biometrics were inputted so he sent money to a debit card, got XXXX and transferred it. 

- he turned off my phone and threw it back to me, breaking the screen. He promised next day delivery and left. 

- not long after he deleted parts of our chat that included one name and an email address. I was able to capture some before he totally deleted his social media account. 

This was unauthorized and I did not hand the phone to him or unlock for him, it was already done from my attempts. I learned local authorities can't do anything because of lack of information so they directed me to the online FBI. I filed a report there, with the attorney general, CFPB, FDIC, Social Security OIC and the XXXX. 

I've been left with no money. When I sent the evidence to a CS rep, they thought it was for a different dispute, so 2 days got wasted. 

I need my money. I don't have food, meds, transportation money, supporting my kids or emergency funds. They were stolen and nothing is being done. If I don't pay my bills I could potentially lose my government assistance. I have no friends or family I can turn to. 

PayPal is just as bad, if not worse. They told me the activity matches past activity. I'll attach my statement and you will see that there is nothing remotely close as to what happened at the end of XXXX. They also said it was from the same IP. They don't seem to comprehend the fact that the parking lot is XXXX feet from my router. The imposter has my driver 's license ( said it was state regulation ) as well as my PayPal and old bank card. 

XXXX XXXX {$640.00} before fees was taken by the imposter. So I can't live and I have a broken phone and found out I am being served divorce papers. Something needs to be done. I feel discriminated against. 

Attached is the info I was able to save before he totally deleted his account. Attached is also some reports that I sent. Also you can see the account got deleted in the screenshots and the response from the real business confirmed that the guy was an imposter. 

Please help ASAP XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.
Product: Money transfer, virtual currency, or money service

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 ar 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

After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.