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

Recently checking my credit report I noticed I've been a victim of identity theft and found numerous credit inquiries that I have No knowledge of here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. please remove the fraudulent inquiries from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted documents against the credit reporting agencies XXXX, XXXX, and Trans Union. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Product: Credit reporting

I have disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED HAS BEEN HINDERING MY CREDIT AND I WOULD LIKE TO HAVE THOSE REMOVE BEFORE IT CAUSE MORE SERIOUS DAMAGE. PLEASE CONDUCT A REINVESTIGATION FOR THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT
Product: Checking or savings account

PayPal did not send me the letter that was attached in this complaint and Im XX/XX/XXXX they did not let me withdrawal the funds out of my account. The payment for {$36.00} for slots was made to me by a friend of mine for a slotting fee for his cow at the fair that I paid cash for. He was paying me back. This is really troublesome to me that the money that was held in my account by PayPal for 180 days Is then processed into PayPals bank account and taken. In my eyes as its my money this is PayPal Stealing and taking my money. How can they control that, say you abused the system without doing the proper research to see that yes it says slots but its not casino slots its a fee for slotting at the fair for my good friends Cow. This is super frustrating,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which is misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts listed below will be update as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$7100.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX Balance Owed : {$1700.00} ; XXXX  XXXX BalanceOwed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account shows 90 day late in making payments. I have called the organization several times to set my self up on auto draft. Since i simply do not have the time to call in to make the payments. i was sent an auto draft enrollment paper which was signed and sent back to the creditor. I was under the impression that i was already set up for auto draft, but now my account is showing 90-120 days late. I am disputing this late occurrences.
Product: Credit reporting or other personal consumer reports

TransUnion is missing 2 accounts from my credit report. I am an authorized user on both accounts which is showing on my XXXX and XXXX reports. I have tried to find out why isnt it showing on my TransUnion report
Product: Vehicle loan or lease

I am XXXX XXXX and my wife is XXXX XXXX XXXX XXXX XXXX. We got a loan from Santander Bank in XX/XX/XXXX to buy a new car XXXX XXXX and the interest rate is XXXX XXXX. We asked to decreased the interest rate the last month ( XX/XX/XXXX ) because we permanently have received offers from another banks the offer to us interests rate that are between XXXX and XXXX XXXX annual. Santander Bank never answered our claim and we are paying a high interest rate ( XXXX XXXX ), and we would like to get the interest rate offers other banks. For us do not have sense to pay higher interest rates knowing that the interest rates are below average of Santander Bank. Please do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX open on XX/XX/395 & And XXXX XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report
Product: Payday loan, title loan, or personal loan

An unauthorized account was opened in mine name by cash central in the original amount of XXXX on XX/XX/2017.. Did n't realize about this account till I went to try and get a new car loan in XX/XX/XXXX and it did n't go through, I have frozen my credit to the credit bureaus filed a police report and filled out an identity theft victim 's complaint and affidavit had it notarized and sent it to the company..
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XX/XX/XXXX Balance {$9600.00} Open Date XX/XX/XXXX XX/XX/XXXX Balance {$730.00} Open Date XX/XX/XXXX XX/XX/XXXXXXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX inquiries XXXXXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with XXXX XXXX, XXXX and Experian and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/scrub>XXXX XXXX NAME : Equifax Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage Company acquired my mortgage in XXXX of XXXX. My first payment with them was XXXX. I paid XXXX early with a check and XXXX early with a check. I started calling them around XX/XX/XXXX because my account said past due. I believe they are trying to steal money. They cashed both checks and I had to provide them with copies for them to take a month to apply them. In the mean time I set up an automatic withdraw for XXXX 's XXXX payment. When they applied the payments to the account they never took off the past due notification. Their policy is to disable the automatic payment until you are current?? ( weird ) So my automatic withdraw did not go through and they took the payment out of my escrow account. I spend about an hour each day trying to resolve this. I found out today that my financial advisor has the same company and has been spending a lot of time on the phone trying to fix his payments. They past you to the " Escalation Department '' and then you can't talk to the person that is fixing the account because they don't take calls. Please help
Product: Mortgage

I went online this month, XX/XX/2020, and initiated multiple online bill payments from XXXX XXXX XXXX  for Additional Principal Payments to my Carrington Mortgage Loan. Each of these payments were subsequently misapplied as regular monthly payments, despite the phrase Additional Principal Payment written in the memo section of the XXXX XXXX XXXX  bill payments. I have physical documentation of said written memo section from XXXX XXXX XXXX  for each of my additional principal payments. 

I have had multiple additional principal payments to my Carrington Mortgage Loan misapplied as regular monthly payments, and this constant, ongoing misapplication of funds has become an ongoing pattern with Carrington Mortgage Services , LLC . Calling and faxing to correct these issues each time they happens has been cost me my time, additional unnecessary interest expenses, in addition to a complete breakdown in trust in Carrington Mortgage Services, LLCs ability to reliably service my mortgage. Carrington Mortgages misapplication of funds has been an ongoing, aggravating issue that seems to have no end.
Product: Mortgage

We purchased our mortgage with XXXX XXXX Within the first month the mortgage was sold to XXXX XXXX. The servicing contractor is M & T. They reached out to us and advised us that the homeowners insurance is XXXX and the principle balance is XXXX and we needed to get replacement value coverage. I reached out to my agent for the insurance and they advised the dwelling structure coverage is for replacement cost of XXXX. The land is not insurable. 

I spoke to XXXX XXXX at M & T ; they are demanding we get gap insurance for the difference between the principle balance and the dwelling cost. My insurance agent is not able to increase the value of the replacement cost without proof of significant improvements since purchasing in XXXX. We have not improved the property. M & T are advising they will purchase an additional insurance at our cost if we do not increase the amount. I have been advised by my insurance agent and XXXX that this is a common issue with M & T and that the Florida Law is not being followed : Florida Statute Section 690-167.009. 

No Mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or otherwise a property insurance in excess of the replacement value of the covered premises as a condition for granting such a mortgage.
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 items listed 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX 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 or other personal consumer reports

I HAVE FILED A OFFCIAL REPORT TO HAVE THESE ITEMS REMOVED OFF OF MY CONSUMER REPORT. THESE ITEMS ARE REPORTING ILLEGALLY AS DO I DID NOT GIVE ANY ONE PERSMISSION TO REPORT/APPLY FOR THESE ACCOUNTS. THIS IS IDENTITY THEFT PER 8 U.S. Code 1028A - Aggravated identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out a letter to Experian about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on Friday XX/XX/XXXX as I was locked out of my Equifax account and needed access to be able to dispute inaccurate information. The gentlemen I spoke with told me he unlocked my account and I would receive an email. I disputed several address on my credit file that did not belong to me and was given a confirmation number of XXXX. I tried to log onto my Equifax again over the weekend and found out I was still locked out. I then called Equifax again on Tuesday XX/XX/23 and the Equifax phone system would not allow me to speak with anyone to check the dispute status nor inform Equifax that I was still locked out of my account. Equifax system is broken and will not let me view my Equifax credit report online nor let me speak with anyone to correct the errors so that I can have access to my personal credit information. I have attached a copy of my drivers license for proof of my identity.
Product: Bank account or service

I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! 

XXXX
Product: Checking or savings account

XX/XX/XXXX at around XXXX Eastern time. There were multiple withdrawals taken from both my checking and savings account. I received a notification at this time stating my balance was low. This was not me withdrawing money, my card was on my person, and no one has authorization, so I immediately called chase and spoke with claims department. 
While we were on phone, the remaining balance in my account was taken. I was assured this would be taken care of and a credit would be processed. 

XXXX weeks following, the credit that was given was reversed. I then called XXXX again, who then informed me that my claim was denied and closed and they have no other information for me. 

On XX/XX/XXXX i called chase and requested information they used to come to their conclusion. They stated their technology confirmed that my cards chip was used and that is enough to dispute my claim and that it is impossible that I did not approve or use my card.
Product: Mortgage

On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

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

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove  this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, And I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I notice that XXXX fraudulently put an account on XXXX of my credit reports. I did not do business with nor give them permission to put anything 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 great harm to my well being, has been an inconvenience and financial loss, and I seek appropriate redress for these violations. I have had an entire work check taken from me leaving me homeless in the cold fearing for my life, this has put me in great danger and my family.
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that are not connected to open accounts that were ran and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BEN- XXXX MERCEDES-BEN-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX XXXX XXXX XXXX XXXX Not attached to accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.
Product: Credit card or prepaid card

Hi, Pursuant to m y original complaint  XXXX , and follow-up to the response listed by Chase, I am filing a new complaint regarding the placement of unauthorized charges in dispute.     As part of my request for resolution, I have asked on many occasions the documentation Chase received from  XXXX , however this is never provided. In addition Chase is using in their decision determination, my preliminary order request which I submitted for documentation of my purchase with  XXXX , however, subsequent to this, I have provided to Chase the FINAL & ACTUAL online receipts and confirmation of purchase from  XXXX .     In addition if Chase had researched this matter fully per my original statements, Chase would see my  XXXX   XXXX  purchase on my  Chase Marriott VISA   XXXX   XXXX  billing statement. Chase would also see from their records and database that at no time from date of purchase to account closing ( or since ), has this charge ever been credited, voided, reversed or refunded.     I have also attempted to contact  XXXX   XXXX  at  Chase Executive office s and left him voicemails on several occasions this his initial notice to me on  XX/XX/XXXX  that he was in receipt of my complaint, however, he has not responded or returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against TransUnion on XX/XX/2021 and I still to this day have not received a response and I am completely outraged! 

1. Unauthorized use of my credit report. 
2. The credit reporting agency took well OVER 60 DAYS to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). I sent my letter on XX/XX/2021, I filed a complaint on XX/XX/2021 with the CFPB, and it is now XX/XX/2021 and still no response from TransUnion or changes to my credit report. 

This company is absolutely according to the FCRA in violation!