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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, NM XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Debt collection

I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.
Product: Mortgage

Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greater chicago finance company in XXXX XXXX Illinois fraudulently accessed my credit report 4 times without my permission or acknowledgement. I did not authorize them to check my credit on no occasion after XX/XX/2015 Please investigate this abuse and remove the hard inquirys from my report
Product: Debt collection

I am writing to dispute an error on my credit report. I would appreciate it if you could investigate this matter and correct the error as soon as possible. Please send me a correct copy of my credit report once the dispute has been resolved. 
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: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and clearly outlined the violations being made to my consumer report. 

It has now been over XXXX days since those disputes were submitted, and I have not received any response from these credit reporting agencies. I am attaching copies of all letters that were sent for your reference. 

This company has violated the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( b ) by failing to mark this disputed account as disputed on my credit report. 

I request immediate action to rectify these issues and ensure that the disputed account is properly marked as disputed on my credit report. I expect a prompt response to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/ saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I have tried to get in touch with Experian to find out why they keep trying to solicit me to transfer a {$15000.00} balance to another card. I do not have a $ XXXX balance that I am aware Is this fraud? Are they just trying to monetize me? I have tried getting in touch with them but can't. They set up their phones so you can never get a hold of someone to find out what is going on. They should not be able to control my data and try to sell me stuff based on that data that may not be correct, especially if I can't get in contact to see if it is accurate. It seems intentionally made difficult or they are sacrificing consumers for there own profitability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an Transunion its ( XX/XX/XXXX ) and on XXXX is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX.
Product: Vehicle loan or lease

XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX   in XXXX, NC. 
At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items with XXXX, Experian, and XXXX multiple times and they continuously come back as verified which is impossible because these accounts do not belong to me. They have been sold to different companies several times an updated with recent dates on my credit profile several times. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  - reporting {$1700.00} XXXX XXXX XXXX - reporting {$630.00} XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX  - reporting {$1400.00} XXXX XXXX XXXX - reporting {$2800.00}
Product: Credit card

American Express continues to rebill a merchant with a fraudulent transaction. The merchant has not delivered product which has been repeatedly shown and keep getting awarded a rebill of funds. This entire transaction is legally in favor of me the card holder. There was a clear quid pro quo ( another illegal action ) that happened and have been within my rights as a consumer in CA. all transactions are under question now as the cc company can not/ will not protect me from fraudulent transactions. They cc company refused to return annual fee once membership and trust had been compromised.
Product: Checking or savings account

My name is XXXX XXXX XXXX. On XX/XX/2019 Citizens Bank processed a Debit Memo transaction in the amount of {$790.00} from my checking account and applied monies to my mother 's, XXXX XXXX, checking account ending in XXXX on the same day without my authorization or consent. 

Furthermore, Citizens Bank added my name unto my mother 's checking account without my knowledge. I never signed any form added myself to the account. The XXXX at XXXX XXXX, XXXX, had my mother sign my signature on the document. 

On XX/XX/2019 I went to the XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX and spoke with XXXX XXXX, XXXX ID # XXXX, XXXX XXXX   and explained to her the above mentioned and requested a full refund of {$790.00}. XXXX insisted that I was on my mother 's account but did not provide any documentation supporting that. In addition, I stated that my account and my mother 's account are not linked together to support the Debit Memo.  Furthermore, because if this error caused by Citizen 's bank my mother was charged {$410.00} additional overdraft fees. 

XXXX XXXX, informed me that she has to speak to her supervisor, XXXX XXXX, XXXX ID # XXXX, for authorization because she has only been in her position for 3 months. She confirmed that with 2 business days I should hear from Citizens Bank and/or see the funds redeposited in my checking account. I didn't receive any credit or hear from Citizen 's Bank. 

On Friday, XX/XX/2019, I met with XXXX XXXX, XXXX Site XXXX XXXX at the XXXX XXXX. I provided him with the same information and requested a full refund. XXXX could not provide me with any documentation suporting the banks actions and refused to compromise a solution. 

I requested to close out my checking account. At the time he said he could not close the account that there was 3 transactions pending. I stated to keep the funds needed to cover the transactions and he refused to. XXXX said, " Come back tomorrow to close your account. '' " Also you don't have to come back to the XXXX branch, you can go to another Citizen 's Bank branch to close your account. ''
Product: Mortgage

XXXX XXXX XXXX they refused to send statements. XX/XX/XXXX mortgage doubled w/o notice they refused to tell me why. Attorney said not legal. They then I became successor. XX/XX/XXXX and XXXX they did not send statements. Emailed XXXX on XXXX. Rcvd Mailed copy XXXX XXXX .March they informed me I was no longer successor XXXX refused to take Ap pymnt. XXXX the man said we can take your payment but can not communicate abt anything. I have over XXXX in escrow as well as when escrow changes ( due to real estate fraud ) now I dont know where all my money will go. I have been paying since XXXX. Husband passed XXXX father in law XX/XX/XXXX. By XX/XX/XXXX it has been a nightmare game with them. Including they claim to have rcvd assumptions packet then weeks later closed saying I never emailed it in. Making me guess what the new payment is no one ever tells you the same or correct info. No one. This is in my father in laws name. I am the only one making payments. They send surplus to est of father in law. Late XXXX they put surplus into escrow. Now where does my money go? Why do I have to fight to make a payment or get statements
Product: Credit reporting or other personal consumer reports

My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due 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

In accordance with the fair credit reporting at XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 



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Product: Checking or savings account

Well forgo done this for years and then this guy help me an he took money I know a XXXX I don't how much really I could have a XXXX so I spent some an then got my payment I I had overdraft fees
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$47.00} XXXX XXXX Balance : {$70.00XXXX XXXX XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  balance is incorrect and I have never paid late 2XXXX 's XXXX was added to my credit report in error this is not my account XXXX XXXX was added to my credit report in error this is not my account These items along with others have been disputed with the credit bureaus and still show on my credit report
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate personal information and unauthorized hard inquiries that need immediate correction. These errors are causing harm to my credit profile and must be addressed without delay. 

The inaccurate personal information includes : Correct Name : XXXX XXXX ( no variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( no other addresses are accurate ). 
Correct Phone Numbers : XXXX, XXXX, XXXX. 
The following unauthorized hard inquiries are present on my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information on my credit file is accurate, verifiable, and reported with my explicit consent. These inquiries and inaccurate details are violations of my consumer rights. 

Request to Avoid Stall Tactics Please do not send stall letters questioning my identity. I have already submitted my drivers license, Social Security card, and a bill as proof of identity. These documents are sufficient to verify my identity and comply with your requirements under the FCRA. Once these documents are submitted, nothing further should be requested. 

Additionally, if you are sending correspondence, it must be sent to the address I have provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit file is no longer accessible by equifax. error BLNK. I've sent them a copy of my driver license, social security card and birth certificate. usps tracking shows the envelope was delivered. they wont fix and disconnect my call when i ask about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to credit agency Equifax. I had 3 items that I requested be removed as the debt had not be validated as mine. As of today XX/XX/XXXX I had not been notified of the results. Their online system still shows that my dispute is pending. I called Equifax 's automated line and it also states investigation is still pending. In addition, I spoke to several agents who stated that in their system it showed the investigation was completed on XX/XX/XXXX and that was sufficient, however I was never notified of the results of the investigation and their website still states there is no resolution to my dispute. They offered to send me the results via mail, which I agreed however it has been way over the 30 days mandated by law and under the Fair Credit Reporting Act that they must respond to my dispute. 
I can provide paperwork that shows proof of the above.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report, as it is a result of unauthorized access to my personal information due to a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Amount : {$2200.00} This account is a fraudulent entry on my credit report, and I ask that it be immediately blocked and removed as per the relevant provisions of the Fair Credit Reporting Act.