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

Greetings, they are furnishing data and information to public without my permission, as a consumer they do not have the right to report any lates and or information without my permission and or consent..
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX : This debt needs to be removed from my credit report as I no longer owe this debt. This has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor ( Discover ) and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days the date of notification to cease and desist all reporting & collection attempts on this debt.
Product: Debt collection

For the second time someone stole my identify. This time they opened up a XXXX XXXX account that when into collection for {$1200.00}. McCarthy , Burgess & Wolff , Inc. only contracted me when I discussed the charges on my credit reported and filed an investigations. They then confirmed that these where my charges and added a collection fee of {$210.00} to the bill. I was able to find the correct number and proofed to XXXX that these were not my charges! They issues me a letter stating that I was not responsible for these charges on XXXX XXXX, 2016. I am still trying to get the XXXX credit agencies to remove this information that they placed in my files. They have suppressed my credit score and caused me damage!
Product: Debt collection

I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to XXXX at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX  came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX  regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that XXXX XXXX is allowed to do business like this.
Product: Mortgage

I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.
Product: Credit reporting 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 confidentiality 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 606 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECIEVED ANY INVESTIGATION RESULTS.
Product: Debt collection

XXXX  XXXX went to XXXX XXXX XXXX, a Debt Collector, claiming I purchased a XXXX XXXX  with account # ending in XXXX. As of XXXX XXXX they claim the debt on that card was {$120.00} They also claimed I had a purchase on another account ending in XXXX, for a XXXXXXXX XXXX purchase, for {$830.00}. These fraudulent claims are now on my credit report and are negatively affecting my once excellent credit. 

They are saying it will take about 20 days to investigate. I tried to explain and dispute any purchases with said company but nothing seemed to work. When I inquired since I was disputing opening any such accounts that any future charges be stopped and the fraudulent account be closed. They said they could not do that, I would have to contact XXXX XXXX. How can I stop an account I never opened?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than 4 business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED AN INACCURATE ACCOUNT REPORTING.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXXXXXX XXXX  : Acct # XXXX, XXXX : Acct # XXXX, Credit XXXX  : Acct XXXX XXXX, XXXX XXXX : Acct # 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 : It also states a consumer reporting agency can not furnish a account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No Consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX  ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXXXXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account 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: Checking or savings account

My account was closed / access was restricted for my access, and there was a statue of time of15 buisiness days to get a response on my appeal as I stated to Navy Federal that the charge that made my account negative was unauthorized and to now it has now been over the limit of time and I still have no access. I feel like my account is not being taken seriously and feel targeted because of this. misleading information is also a violation. No update no anything Also never received automated email that they received it I had to call multiple occasions 18 U.S. Code 35 - Imparting or conveying false information U.S. CodeNotes ( a ) Whoever imparts or conveys or causes to be imparted or conveyed false information, knowing the information to be false, concerning an attempt or alleged attempt being made or to be made, to do any act which would be a crime prohibited by this chapter or chapter 97 or chapter 111 of this title shall be subject to a civil penalty of not more than {$1000.00} which shall be recoverable in a civil action brought in the name of the United States.
Product: Mortgage

I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.
Product: Checking or savings account

Wells Fargo has taken overdraft fees when Funds had been Deposited. 

They have also failed to post funds to retrieve late fees, when Funds had been deposited in time to cover charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

The dispute case number attached to this complaint is for Equifax, confirmation # XXXX. I have disputed these unauthorized inquiries with both Equifax and the creditors and each entity has not done anything about removing these unauthorized inquiries. I simply want these unauthorized inquiries removed from my Equifax report.
Product: Mortgage

I have a mortgage with citizens bank, back in XXXX of 2020 had a call from citizens saying that COVID is affecting many businesses if there is anything they could do to help. I said if they could do anything let me know. Nothing happened, no calls, until a couple months later. I have 1 mortgage # XXXX it's a rental property and I have an account just for the purpose of I collect the rent and it's on auto withdrawal for the last 12 years. I don't check it often and after 2 months I realized they stopped taking the money out so I assumed I was given a forebearance. Next thing I know my credit score dropped, I received a letter from citizens saying I can't use my lines of credit for my business because of my credit rating. So I made an appointment with my bank XXXX at XXXX XXXX XXXX XXXX Pa XXXX. She contacted citizens mortgage and he said he would straighten it out. And he would set me up with a loan modification. I waited for paperwork after 2 months went to bank and XXXX recommended I make payments so I call in every month since and make a payment ( I have documents to prove this. So I get a call from citizens notary they have paperwork for me to sign about loan modification, it has my father 's name on it and he's been dead for several years, they have gotten several death certificates and they made me payoff a XXXX line of credit he had. So paperwork couldn't be signed. Months went called about signing paperwork brought it to me with my father on it. So it couldn't be signed again. Then I get a letter from a lawyer saying they are going to foreclosure the property. I called in frantic and they said it was because I didn't sign the paperwork in a 12 month period. But it was because the paperwork was wrong. So they said they would send me a new application I never received it. So I continued to make payments now they stopped accepting my payment. Which means they're going to try to take this property. They stopped taking the payment, they also never got the paperwork correct, they killed my credit, they did give me a forebearance for 18 months so I don't know why any of this is happening Doesn't a forebearance mean the payment gets put on the end of the mortgage, citizens says when is over you all payments immediately. I never received paperwork for forebearance or was ever told how it works The loan modification they are offering me is at a slightly lower interest rate, but makes it a 30 year mortgage when I've already payed 12 years. I've tried to contact them and get nowhere. I tried to get another mortgage and pay them off but I can't because they are sending to the credit agency that I haven't made a payment in over a year which isn't true I have my bank statements to prove it. Please help me if you can, I have called many people looking for help. And I was referred to you. My email is XXXX or business # XXXX XXXX XXXX or cell XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent inquiries on my credit report from Walmart that they refuse to have removed every time I call them they say that they sent the paperwork to XXXX ... I contact XXXX and they say they can not remove it without a release from Walmart ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my XXXX credit report that Walmart will not remove ... but they say they send request to XXXX ... but again the inquires are still there
Product: Credit card or prepaid card

Hello, I work for a XXXX XXXX XXXX in Wisconsin. Several of our clients are reporting complaints to us regarding the debit card for child support. They are stating that when their card expires, they won't get a new one mailed to them. They also state that they have to prove their identity, such as email or fax a copy of their social security card, birth certificate, or drivers license ( id ). I have helped the clients do this and they still do not get a replacement card. Then they get put on hold for long periods of time and nobody answer their call. I tried to call the XXXX to help them, and even I can't speak to a human. The customer service is horrible and the clients get treated so badly. What are you doing to fix this?
Product: Credit reporting or other personal consumer reports

Account: capital one auto finance 
Account number :XXXX  THIS ACCOUNT HAS BEEN CLOSED SINCE 2019 ITS REPOTING CLOSED WITH XXXX  FOR 5 YEARS, BUT HAD BEEN CLOSED THEN OPEN AGAIN WITH XXXX  PLEASE REMOVE BASED ON federal code 15 U.S. Code  1681
Product: Credit card or prepaid card

I am a long time customer of Wells Fargo. I had a joint credit card and mortgage with them for almost 20 years. 

We paid off our mortgage earlier this year. Our joint credit card was tied to that mortgage so we made the decision to open individual credit cards. 

My husband received a credit limit of {$30000.00} at sign-up. 

I opened my new credit card shortly after he did and received a {$10000.00} credit limit. I have requested an increase twice and have been denied both times. My credit rating is higher than my husband 's, however, no one can tell me why I am declined, or why my limit is so low comparatively. 

I have spoken with Wells Fargo on 6 different occasions over the past 3 months. Yesterday, I was told by the credit underwriting department that the algorithms make these decisions and they aren't able to explain why nor are they able to bypass the decisions made. I have been told that my credit card account is too new to be considered for an increase. 

I am beyond frustrated. Wells Fargo has been dismissive of me, they close out my customer advocacy claim without even speaking to me. 

I feel as though I have no other options to look for support for this issue.