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

XXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED TRANSUNION XXXX AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I have a digital copy of my credit report and saw there were accounts I did not approve or apply for listed on the report. I contacted all three credit bureaus to correct this issue and remove them but they have been negligent in my request XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Account number xxxx Date opened XX/XX/XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment is due theXXXX of each month payment was made theXXXX. XXXX reported to credit reporting bureaus that account was 30 days late. It was not.
Product: Credit card or prepaid card

On XX/XX/2020 my wife and I were victims of a fraudulent transaction. We are senior citizens and we both attended a presentation in XXXX XXXX, Florida by XXXX XXXX XXXX XXXX XXXX XXXX. As a result of fear and high pressure tactics over more than 3 hours, we were forced to sign a contract in the amount of {$17000.00} to exit 2 timeshares for which we had originally paid {$15000.00}. The transaction included charging {$3000.00} to an existing Chase credit card in my wife 's name, and then opening 2 new credit cards of {$7300.00} each with XXXX  XXXX XXXX and Chase in my my husbands name, for a total of {$17000.00}. The premise was that our children would be liable for thousands of dollars of maintenance fees which would be taken from their estate after we were deceased. We were assured that the entire process consisted of sending a form letter to the timeshare companies to which they were legally obliged to respond, and that the entire process should only take about 90 days. In the event of a rare problem, it might take up to a year, but they were offering us a money-back guarantee. We signed the enclosed documents, and I began following up monthly at the Call Center telephone number at XXXX XXXX XXXX that they had given us. Each time I was told that the timeshare companies had not responded to their letters. In XXXX, I called 3 times and could not get any reply so I became alarmed. I then began a XXXX search and discovered that Consumer Law Protection was part of number of timeshare exit companies being sued by the Attorney General of Missouri for fraud, including XXXX XXXX XXXX. Both XXXX XXXX XXXX and XXXX transfer Group share the same address, and instructions from XXXX XXXX XXXX XXXX were to mail all documents to XXXX XXXX XXXX I then opened disputes with the 3 credit cards. XXXX  XXXX XXXX resolved the dispute in my favor within a month and refunded to me {$7300.00}. Chase did not. After 4 months our 2 disputes with Chase were denied with no explanation. I have once again contacted CFPB for further resolution of this matter. Enclosed please find a copy of our contract, a news report showing that the Missouri Attorney General is suing XXXX XXXX XXXX ( among others ) for fraud, and a letter from the Missouri Attorney General referring our complaint to the Enforcement Unit for action. 
The XXXX XXXX XXXX XXXX and its affiliates, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX are part of a criminal racketeering enterprise which has defrauded hundreds of seniors of their lifetime savings. I am demanding that Chase refund our money immediately and that the Florida Attorney General prosecute Consumer Law Protection for fraud. 
Since XX/XX/2020 we have received no communication from XXXX XXXX XXXX of any actions taken by them to resolve this issue, including documentation of escrow funds ( as required by law ) nor any correspondence to and from the timeshare companies. I am also reporting them to the FBI for prosecution of interstate fraud and to the US Postal Service for mail fraud, since all documents were sent via US mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021, I received via US Postal Service a Cash App Visa debit card issued by XXXX XXXX. The debit card and underlying Cash App account are fraudulent, as I did not open either. 

On XXXX XX/XX/2021, I contacted XXXX XXXX via telephone to request the debit card be canceled. However, my attempts to contact Cash App, an online banking application by Square , Inc, to cancel the underlying account were unsuccessful as Cash App offers no means to report fraud via its website or telephone. Cash App only provides a generic mailing address for unspecified purpose. 

I suspect Square, Inc. has purposely structured Cash App in this manner to avoid the administrative burden of handling consumer complaints. I believe Square, Inc. thereby cynically facilitates criminal financial activity by frustrating consumer fraud reporting. I request you examine this issue and hold Square, Inc. accountable for allowing this abuse of my personal information.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon further investigation I have discovered the creditor is claiming to have charged-off this account. Considering it is almost tax season and I would be committing tax fraud if I did not claim this charge off on my taxes. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in your books. This has been owed to me because the debt that you charged off was more than $ XXXXBecause the 1099-c becomes taxable income for me and income does not belong on credit report, this account must be removed from my credit reports or updated as paid in full immediately after my receipt of the 1099C for this charged off debt. Charged off debts means the debt has been forgiven or paid by insured bond.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Mortgage

My application for refinance started in early XXXX. During this process the Truist agents continually assured me the loan was tentatively approved. The agents requested that I obtain a home appraisal at a cost of {$660.00}. I stated that I did not want to incur that cost unless the loan was dependent on it. Again, the agents coerced me to get the appraisal so the loan could progress. They dragged this process out over a month requesting documents and information. In the end, the loan was denied based on a credit report. If this was the deciding fact this loan should have been shut down XXXX days into the process. I want to get my money refunded for the useless appraisal I was coerced into getting. I am not complaining about the denial, I am complaining about the pressure, coercion, and totally unnecessary expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX 4. ) XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX  # XXXX 10. ) XXXX/XXXX  XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # 514731****17. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction..

Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX Also, my Personal Information has erroneous information. There are variations of my name which I have never used showimg on my credit files as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX Erroneous address where I have never lived as follows : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 2. ) XXXX XXXX XXXX XXXX, Ohio XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 5. ) XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 7. ) XXXX XXXX XXXX XXXX, Ohio XXXX Erroneous phone numbers : 1. ) XXXX 2. ) XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by EXPERIAN, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

EXPERIAN has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, EXPERIAN has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not taking credit card fraud if XXXX CREDIT CARD for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXX credit card for XXXX off my account and XXXX creditcard with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.
Product: Student loan

EdFinancial has incorrectly modified XXXX XXXX XXXX, a {$0.00} balance loan that was paid off during consolidation, to now reflect a {$73000.00} balance. This is grossly inaccurate. XXXX XXXX XXXX was {$10000.00} prior to consolidation. Due to their error, I now show " new debt '' of {$73000.00} on my record. I spoke to them immediately upon discovering their error on XX/XX/year> ; however, they blamed XXXX for the error. I spoke to XXXX on XX/XX/year> and XX/XX/year>, who confirmed the error was made by EdFinancial. I spoke to EdFinancial again on XX/XX/year> to inform them that they are responsible for the error, the mishandling of the consolidation process, and my student loan records are inaccurate. I again explained that the amount of {$73000.00} was to be ADDED to an existing consolidation loan XXXX. This debt must reflect as " existing debt '' not " new debt ''. I also explained that any incorrect changes to my credit report at this time will cause substantial financial damages and harm to me, and would be a violation of FCRA. I requested they correct the information effective immediately. They told me they would " review '' and I should see changes in several days. This type of slow approach is not acceptable.
Product: Credit reporting

One of my creditors,  XXXX   XXXX   XXXX , has submitted  XXXX  requests between  XXXX   XXXX ,   XXXX   and the present date to the  XXXX  major Credit Reporting Agencies to have the negative information on my account ending in  XXXX  removed from my credit report.  XXXX  and  XXXX  adjusted the account as requested, where Experian has not. Aside from the  XXXX  requests submitted by  XXXX   XXXX  to Experian to have this adjustment made, I 've also personally sent  7 of these 10 lett ers received from  XXXX   XXXX  to Experian along with my driver license, social security ID, birth certificate and utility bill. Along with my proof of identity and the copies of the letters, I wrote a letter asking for Experian to please make the adjustment that has been requested so many times over the last 6 months. I sent this letter in late  XXXX , another on  XXXX   XXXX  and another on  XXXX   XXXX . The response that I received from experience was that they unfortunately can not honor my request and modify the account. I 'm not understanding how this issue is still outstanding with Experian at this point and it 's hindering my ability to apply for the mortgage that my family and I desperately need. I will attach copies of as many of the letters from  XXXX   XXXX  as possible to this complaint to support my case. All I need is for Experian to make the adjustment that the creditor has requested and I will consider this issue resolved and complete.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XXXX  i signed documents for a car loan XXXX XXXX with driveway finance for a XXXX XXXXXXXX XXXX  to be delivered from driveway.com. Driveway financed has verified this loan is open and it's present on my credit file at XXXX XXXX XXXX XXXX When I tried to set up delivery with driveway.com they are saying that the loan is not in their system. I contacted them almost 2 weeks ago and was only able to Speak to a guy named XXXX at Driveway.com that said he would look into it. I have not gotten and update from him and every time I call I only get voicemail now and no one ever returns my voicemail
Product: Mortgage

I have requested on several occasions to have PMI removed due to the value of my home is sufficient to lower the mortgage value to 70 % or less of the homes current value, and the lender has refused to comply.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

Hello, I am complaining about the company, XXXX. As of XX/XX/XXXX it was indicated that I had a collection of a debt in the amount of {$2600.00}. I realized it on XX/XX/XXXX and disputed the matter with XXXX credit bureau, and it was resolved, and removed same day. I would like for action to be took as soon as possible with the company, XXXX. Ive never had it before, nor opened an account with their company. I want reassure the safety of my credit report. Thank you.
Product: Mortgage

we took out a XXXX mortgage on our house to have some work done XX/XX/XXXX. 
XX/XX/XXXX we rolled both the primary mortgage ( XXXX XXXX XXXX ) and the XXXX mortgage ( GE Money Bank ) into one mortgage with a different bank. GE Money Bank never released the lien on our house. We are trying to get an equity line of credit to have some more work done on our house ( all mortgages have been paid in full since XX/XX/XXXX ) and with this lien showing on our house we can not get the loan needed. I have been talking to multiple persons with Synchrony Bank ( GE Money Bank was renamed to Synchrony Bank ) and they say that they can not help me as they do n't do this type of loan. We need this to be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that 3 Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$43.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX : {$150.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXXXXXX XXXX account XXXX
Product: Checking or savings account

OnXX/XX/XXXX, 2017 I received the monthly statement for my checking account. In the case of reviewing this I noticed that there was likely a fraudulent check. I requested copies and then went to Chase Bank branch onXX/XX/XXXX, 2017 and notified them. Chase Banker and I found 14 fraudulent items. The first dating to XXXXXX/XX/XXXX/2017. 

OnXX/XX/XXXX I received a letter saying my " claim '' was denied due to failure to report this in a timely manner. 

I have called the number provided countless times since then. Essentially I am being told that my failure to report the first item within a Chase mandated time frame ( 30 days I believe but even this has been contradicted by those on the line ) renders me responsible for all items. 

I assert that despite the Chase Terms and Conditions that they have a fiduciary duty to safeguard my account. Instead the same payee on all the fraudulent checks was allowed to repeatedly to cash forged checks. I have no idea how the checks were obtained. I do not even know if they were my checks or if the check stock was forged. I am unable to determine if checks were cashed at counter or deposited to payee 's account. I am unable to determine what Chase policies are in regarding this matter and/or whether they followed their own policies. 

I am unsure where to go with this next and Chase representatives maintain that this issue is closed.