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

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the XXXX Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX tel : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Mortgage

I have formally requested for PMI to be removed from my account and have been unsuccessful in obtaining help with GMFS. in XX/XX/2020 I paid for an appraisal on my property and it was assessed for close to XXXX. The balance on my loan is XXXX. I requested the removal of PMI on XX/XX/2020 and was told that I would need to pay an additional appraisal that would have to be done through their bank. I asked about the cost and the bank notified me that they would get back to me. In XX/XX/2020 I began the process of refinancing my home and because of COVID, I was unable to complete the process. 

I req-requested the removal of PMI in XX/XX/2020 and was told that I needed to submit a form for the request to be in writing. The bank keeps declining the removal of the PMI because they are indicating that I was late on one of my mortgage payments. I have spoken to the customer service department at GMFS and they can not locate the date of the late payment and are also confused. The department that reviews the PMI removal requests can not speak to me directly, and I can not get anywhere with them. In the interim, I have now paid PMI for over a year and would like for the PMI insurance to be removed and for me to be reimbursed for the last 16 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX  neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus and XXXX XXXX are reporting inaccurate information on this account as follows : 1. Last reported date is inaccurate. The account was closed in XXXX by me. 

2. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

3. All 3 bureaus are showing payment history well into XXXX that did not exist after XXXX.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony bank closed my credit card and confiscated the cashback.
Product: Checking or savings account

My account was closed by this bank ( UFB direct ) with no prior notice through e-mail or physical letter. The bank just randomly sent a check to my address however the amount listed on the check does not match the amounts that should have been deposited in the account. I am unable to view the account and the bank has denied me a statement. A customer service rep told me I was not entitled to information about my own account and refused to answer questions regarding my account transfers and balance at the time of closing. However after several requests acknowledged the existence of the regular transfer schedule before again refusing to cooperate when it was pointed out a discrepancy may have occurred
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted the medical transportation company who originated this bill as well as attempted to collect information from the collection for two years over 7 times. This debt is not mine and there has been no attempt on either parties side to rectify or remove.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 

XXXX XXXX XXXX. 

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

Experian keeps sending me letters claiming they can not identify me and requiring that I re-submit all the information I have already sent. Clearly they do not want to do anything but ask for information they refuse to accept. 

Included in the pdf file to be attached is a copy of my reply to the letter received in today 's mail ( XXXX ) and the documents resubmitted to them by mail on XXXX responding to their letter to me received that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TARGET/TD, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TARGET/TD,  XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX I received an email alert from Cash App for a transaction ( Transaction ID # XXXX ) in the amount of {$150.00}. I did not make this transaction and immediately reviewed my bank account and saw the transaction was pending. I contacted Cash App Support via XXXX to file a report and was provided with a link to do so. I filed a request the transaction be cancelled because I did not make the transaction. I received an email response from Cash App that the matter was being addressed. I also contacted my bank to request the pending transaction be cancelled that same day. 

The Cash App transaction was processed 3 days later on Friday, XXXX XXXX at which time I received a canned response that did not address the issue. On Sunday, XXXX XXXX I communicated with a Cash App representative via XXXX at which point I was told there was nothing they could do and to file a dispute with my bank which I did. The bank dispute outcome is still pending.
Product: Credit reporting or other personal consumer reports

Recently I got onto the Equifax website when I heard about the Equifax information breach and entered my name to find out I was affected which explains all of the errors that are on my report at the moment and the absolutely absurd amount of hard pulls that are on my account that I've been trying multiple times to get corrected with all three companies. This is completely destroying my credit but in this complaint I will list the hard pulls that are not mine that I need to have removed immediately upon receiving this information as I am literally in the middle of trying to get into an apartment and I was just turned down for one and no fault of my own. I have multiple issues on my credit report right now and it's probably taking it down about XXXX points so I need to get this fixed ASAP. I will provide the information I received from Equifax proving I had my identity stolen from their site and I will list off the hard pulls that are 100 % not mine I never approved them I never asked for them but they are on my credit report. 

Hard pulls to be removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now that's got to be a red flag number of hardpulls. What I get from that info with some hitting 2 times in the same day for the same company Is somebody was trying to purchase a vehicle with my information. I can not believe you guys let our information get out like that. I have so much more that's wrong with my account but this really makes me nervous seeing this as I'm listing them out I'm just realizing what this actually means. I will follow with another complaint to list out other things that I've been trying to get off my report that you guys have been refusing to even look into and just reject immediately for whatever reason. Even though the entire time it's not been mine as I've said it each time. Please remove these immediately upon receiving this information as it is incorrect and I do not need nor deserve this on my credit report I have not earned this to be on my credit report.
Product: Credit card

I made a purchase using Afterpay with XXXX through the afterpay app. My delivery was supposed to be scheduled within XXXX hours of placing the order. When I went into the app to check on my order, it did not go through, but Afterpay still charged me a down payment. I then ( admittedly stupid ) another order using a diffrent preloaded card via Afterpay. I was charged again before the order went through. I went to pay and the card was declined. I've submitted disputes with them, tried to explain what happened ( via email, apparently there is no phone number to call ) and it was closed with them saying I need XXXX to send me an email with the last XXXX of the card numbers used, and have XXXX say the transaction did not go through. The problem is XXXX has no order, they can't send me an email because no order went through.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXXXX/XX/year> ; XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
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 XXXXXXXX XXXX, XXXX XXXX, division of childsupport 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 card or prepaid card

Walmart Store Card Payment showing a 'Processed ' 1/4, but last payment not reflected in data and applied to Balance Filing Complaint with Walmart but real problem is Synchrony Bank which have encountered with other retailers they act a card service provider. 

This is very deceiving, misleading and can result in duplicate payments being scheduled and delays being reflected in Balance on account. Money has already been pulled from my financial institution,
Product: Credit card or prepaid card

i tried to pay my bill a couple of times but it was a glitch in the computer and it mark me down late twice on two different accounts and i paid the card down to 3 % and im am current now and need them to remove the late payments
Product: Student loan

Loan servicer Aidvantage is unable to produce basic reporting for my outstanding student loans. I have repeatedly requested a simple statement showing my beginning of period loan balance, in period adjustments, and my end of period loan balance. I continue to make payments without any indication of how such payments are applied. Furthermore, I have been unable to obtain any information that could help me understand how my end of period balance is being calculated ( XXXX disclosure around capitalized interest, XXXX disclosure around balance reductions from submitted payments, XXXX disclosure around how to bridge from beginning of period loan balance to end of period loan balance ). It would be helpful for a XXXX XXXX XXXX  servicer to be capable of producing a simple statement which could help a borrower understand why his student loan balance is what it is. If community banks can do it, so can Aidvantage. The astounding lack of disclosure can only be designed for one reason : to keep borrowers in the dark and mired in an unescapable financial position that benefits the servicer 's ability to generate fees at the expense of the livelihoods of millions of innocent borrowers just trying to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

2XXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

3. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

4. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

5.XXXX XXXX XXXX  Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

8. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

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 XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

XXXX  Servicer for Department of Education showing incorrect account information on credit bureau reports with XXXX, XXXX and XXXX. XXXX  is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans. 
Credit Reports with XXXX, XXXX and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.
Product: Money transfer, virtual currency, or money service

I was encashing my paycheck, as always been the case, with Bank of America branch. I have no problem before until now. An XXXX XXXX XXXX Manager 2 of Bank of America at XXXX XXXX XXXX XXXX, CA XXXX, refused to encashed my check. I showed them my paystub and the check but I was met with racism, arrogance and when I said I was going to complain for the treatment, and when I asked for his name, I was shouted of which the whole branch would hear literally. I was met with sarcasm and threat! This person is XXXX XXXX. He mocked my XXXX and belittle me.
Product: Credit reporting or other personal consumer reports

I have tried to do evrything wright called the creditor back in XXXX they said they would submit an investigation never heard from them again till today then I asked the credit agency to review all the information sent never got any response just stating documentation invalid so no I got tired of that and I am requesting help its been two months since I ever touch the topic again I dont fid it fair that no one gives a straight answer on why is the debt accurate when they have nee sending text messages to my XXXX XXXX phone number I checked with my XXXX XXXX the man has no accounts with the next creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nor has any inquirires or called any of these creditors either 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 XXXXXX/XX/year> Equifax so cease and desist calling my neighbors they do not owe you anything and neither do I