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

Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, XXXX, TransUnion Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, XXXX, and TransUnion to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by TransUnion per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( blocking, 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 action have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I paid my entire account balance of {$900.00} with Comenity Bank ( Express Credit Card ) on XX/XX/2022. Their website was down most of the summer, and so I called that day to make my payment. Finally in XXXX their website was back up, and I was able to verify my payment went through and shows a {$0.00} balance. During this entire time frame Comenity Bank stopped reporting to the credit bureau, their last update shown is from mid XXXX. This has been dragging down my credit score for 5 months now. It should show a {$0.00} balance, and not have any late payments for this credit card because the month I received my statement for {$900.00}, I paid it off entirely that same month. 

In XXXX I reached out to Comenity by phone again to have this resolved, and was told the credit bureaus would have to sort it out. Comenity Bank now is ran by Bread Financial. 

Today I just submitted disputes with all three credit programs XXXX, XXXX, and XXXX. I really need this to be removed from my report immediately, as I am under background investigation for my new job, and do not want this to negatively impact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

You responded to complaint XXXX stating that the company verified the account. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, remove this late payment from this account immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as my social security number and my driver 's license has been compromised and there have been multiple unauthorized accounts opened under my name on my credit report. I have filled out an identity theft victim complaint and affidavit but am waiting for my new driver 's license in the mail in order to get it notarized. I have also been advised to file a police report, which I may file once I receive my new license in the mail. I have disputed multiple fraudulent accounts being reported on my credit with XXXX, XXXX, and TransUnion. The only bureau that has done right by my request/demand is XXXX. I am including a copy of my most recent XXXX credit report with the most up-to-date information. I am requesting that XXXX and TransUnion review the XXXX credit report I am attaching to this complaint and update my credit report EXACTLY how XXXX has done so! 

I am also attaching a subsection of the FCRA to justify these changes. 

Since XXXX has met my demands of updating my credit report to the current and correct information, XXXX and TransUnion MUST update my credit report exactly as such.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 remove/block any items or information not later than XXXX business days. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

incorrect amounts on accounts.Accounts over XXXX years still on credit report, inquires wrong incorrect
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Checking or savings account

On XX/XX/year> I filed a dispute with the company stating that the account was closed out due to suspicion of fraud. The company contacted XXXX and they confirmed with XXXX that we were responsible for the fraud. I filed another dispute XX/XX/year> declaring that we had nothing to do with any fraud. They did a deeper investigation, and concluded that we ( my daughter & I ) were not responsible for the check fraud that occurred on our account without our knowledge. They sent us a letter via postal mail, and via email XX/XX/year> stating that it was resolved, and they would reconcile the account and the claim would be removed. I had went back to the bank XX/XX/year> and they were able to open me a custodial account. Shortly after they closed that account, and specified that they have the right to cancel/close my account at any time, and for any reason. They did not give a reason as to why they closed my account. Nor did they remove me from XXXX. Please assist.
Product: Debt collection

They call ask me for very personal information to verify my existence when they have the information and I stated this was XXXX XXXX, and then they asked for my birthdate of which Im not giving over the phone so she immediately said if youre willing to Your birthdate then Ill have to end this call and call before I asked for written verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item : XXXX XXXX XXXX  XXXX .... 

On XX/XX/2020 I sent out letters advising ( with evidence ) that an account had been deleted from the original creditor. USPS tracking # XXXX which they signed for XX/XX/2020 at XXXX, their response was for XX/XX/2020 - report # XXXX in which they state : DISPUTED ITEM NOT LISTED ON CREDIT REPORT, which is false because when I checked my report, it is still showing up. 

I then sent them a second letter on XX/XX/2020 XXXX tracking # XXXX which they received XX/XX/2020 at XXXX. I stated it was a second attempt of validating the information and deleting the current account ( evidence of letter available ) which they responded " this time '' with the credit results and the item on my credit file, when before they mentioned it wasn't listed. Their outcome determined the creditor would remain. 

Items sent to them : Copy of Original Creditor STATING they had deleted that account from my credit file ( which this bureau, hasn't ) A letter stating the facts and proof ( which this bureau, hasn't ) A copy of XXXX  's report which specifically says ( DELETED ) Asking them to VALIDATE the account & the process of VALIDATION : step by step ( who they've spoken to, what have they done, etc. ) and they have consistently refused to do so, they just say they have verified the account and ignore my requests. 

Thank you in advance for your valued assistance.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT. I HAVE RECEIVED NO ANSWERS OR ASSISTANCE FROM THIS COMPANY WHO IS ATTEMPTING TO UNLAWFULLY FORECLOSE ON MY PRIVATE LAND AND SHELTER AND CFPB IS THE PURPORTED AUTHORITY TO REPORT THIS TO, YET THIS BUREAU HAS FAILED TO DO ANYTHING ABOUT THE PREDATORY LENDING, VIOLATIONS OF TILA, RESPA, HOEPA, EQUITY STRIPPING, LOAN FLIPPING, FAILURE TO RESCIND THAT THESE SERVICERS AND TITLE COMPANIES, APPRAISERS, ROBO SIGNERS, NOTARIES, BROKERS AND THIRD PARTY COLLABORATORS ARE ENGAGING IN. THIS IS A CRIMINAL RACKET. MY HOMES EQUITY HAS BEEN STRIPPED, I HAVE INVESTED OVER $ XXXX IN LAND, MY PRIOR HOME SALE PROCEEDS {$110000.00} AND OVER {$600000.00} IN MONTHLY PAYMENTS FOR A $ XXXX CONSTRUCTION LOAN THAT WAS IN XXXX. I BUILT MY OWN HOME WITH MY OWN MONEY AND SAVINGS. THESE PREDATORY LENDERS ARE FILING FRAUDULENT DOCUMENTS IN THE COUNTY RECORDS WITHOUT PERMISSION OR CONSENT, THEY ARE HAVING TITLE COMPANY/WHO POSE ALSO AS FORECLOSURE MILL LAW FIRMS TO ROBO SIGN AND FALSIFY DOCUMENTS TO STEAL PEOPLES HOMES. WHAT ELSE DO YOU NEED TO GET INVOLVED WITH THESE ILLEGAL TORT ACTIONS AGAINST THE AMERICAN PEOPLE. OR IS THIS JUST ANOTHER FECKLESS GOVERNMENT SUBSIDIZED " CONSUMER RIGHTS '' ADVOCACY GROUP THAT PUTS OUT THE FRONT OF " ASSISTING PEOPLE '' BUT INSTEAD ONLY RUNS COVER FOR THE CRIMINAL VIOLATIONS OF SUBSTANTIVE AND CONSTITUTIONAL RIGHTS OF HARDWORKING, LAWFUL, TAX PAYING AMERICAN PEOPLE. THERE HAS BEEN BILLIONS OF DOLLARS PAID TO THE GOVERNMENT REGARDING VIOLATIONS OF XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND ON AND ON, AND YET BECAUSE THESE CRIMINALS HAVE UNLAWFULLY E-RECORDED COUNTERFEIT ENCUMBRANCES ON MY PRIVATE SHELTER AND LAND THEY IS ABSOLUTELY NO ASSISTANCE OR INVOLVEMENT WITH ANY REGULATING AUTHORITY, OR AGENCY, INCLUDING THE CFPB? THE ATTORNEY GENERAL, THE COUNTY RECORDER, THE OCC, THE FTC, NO ONE? JUST A FULL ON CRIMINAL RACKET AND NOT ONE GOVERNMENTAL OVERSIGHT AGENCY IS GOING TO DO A DAMN THING ABOUT IT. THIS IS NOT A DUPLICATE. NOW THE ENTITY WORKING WITH THE TITLE COMPANY/LAW FIRM TO UNJUSTLY ENRICH THEMSELVES OF MY PRIVATELY BUILT HOME AFTER OVER TWO DECADES OF OWNERSHIP. THE RULES THEY ARE SUPPOSED TO ABIDE BY IS FROM THIS AGENCY??? YET THE ONLY THING A FORMAL COMPLAINT YEILDS IS A RESPONSE THAT THE COMPANY " ALREADY LOOKED INTO IT AND DIDN'T SEE ALL THE CLEAR FRAUD, FEDERAL VIOLATIONS AND DISREGARDED LAWFUL TILA RESCISSION, THEY CAN JUST IGNORE IT AND RESPOND " NOTHING TO SEE HERE '' AND CFPB BACKS THEM??? ALLOWS THAT OVERT VIOLATION OF LAW AND CLEAR FRAUD, AND THEN HELPS THEM BY CLOSING WHAT THEY CLAIM IS DUPLICATE COMPLAINTS? UNREAL. I KNEW IT WAS A WASTE OF TIME TO ATTEMPT TO FIND ANY JUSTICE OR HONESTY THROUGH THESE AVENUES. ABSOLUTELY A DISAPPOINTMENT AS I AM HANDING ANYONE THAT CARES ALL THE PROOF, ALL THE FRAUD, CLEAR AS DAY, PROOF BUT NOW I HAVE TO GO LITIGATE THIS TRASH MYSELF. UNBELIEVABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for almost a year to view a copy of my Equifax score and report and I am unable to. I have contacted them by phone several times sent in what they asked for and still I can not view my report and neither can lenders. I never requested for any kind of freeze or any hold to be put on my credit report. and this is information that I need because I am trying to purchase a new home. I am begging for someone to help with this because my calls and doing what they ask me to do is not getting me anywhere. I recently called and was told I would receive a email with case number and a call back and never received anything, I need access to my credit report, that is all I want. If I am continually denied access I will have hire legal representation to assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXXXXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint with the CFPB in regards to a Capital One Bank USA account with a balance of {$790.00} which has been reflecting on my XXXX credit report since XX/XX/XXXX. Capital One was notified that I was a victim of identity theft as soon as I found out about it through verbal communication as well as a certified letter. That certified letter also included the police report which was filed on XX/XX/XXXX through the XXXX XXXX XXXX XXXX office. Since that time I have disputed this acct through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly to Capital One again on XX/XX/XXXX and the only answer I am receiving in return is that it has been verified as accurate. This is not my account, it is reflecting negatively on my credit report which is hurting my credit score. This is my final result with contacting the CFPB to see if we can get this account removed. I am aware that the balance is under {$1000.00} but the damage it has done over the years in stopping me from receiving credit is a lot more costly. Hopefully this matter can be resolved and that account can be removed quickly from my XXXX  report or my next step will be to acquire an attorney. Thank you for looking into this for me. 
XXXX XXXX XXXX
Product: Mortgage

I am filing a complaint due to the issue of my mortgage bank being uncooperative with me in order to settle up on my payments and avoid foreclosure on my home. Fives years ago the co-owner and I split up and he left the home. He cut all ties financially with me and quit his job making it difficult for me to keep up on payments. I applied for a hardship program through XXXX a little over a year after we split. But it still was difficult and eventually I was unable to make payments and provide for my children. Last year my mortgage was bought out by Caliber Home Loans. They sent me a payment agreement consisting of interest only payment with escrowed insurance and taxes. I was interested in this of course. When I contacted them they informed me that the co-owner had to sign the agreement also. I informed them of my situation and they still would not work with just me on saving my home. Because myself and co-owner were not married there was no distribution of property when the relationship was dissolved. I was left with all the bills and providing for the child we have in common. Again two weeks ago on XXXX XXXX I contacted them concerning the possible foreclosure and my application of loss mitigation. I provided them with everything I could. The only document they were missing and required was a signed letter from the co-owner stating he would sign the modification. Which they were well aware of in my application letter that he refused to do due to going through family issues concerning child support. With all this information I believe that Caliber should assist me without the consent of the co-owner as I am the one still living in the home and paying the bills. The ending result as of XXXX XXXX the courts have granted the bank counsels motion to appoint a referee and grant a judgment of foreclosure. I do not want to lose my home that I share with my children. The only home my son, the child we share, has ever lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to XXXX XXXX XXXX XXXX Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

01 XXXX XXXX act # XXXX is a fraudulent account appearing on my credit profile that I have been disputing for a long time with no luck.
Product: Mortgage

In XX/XX/2020, I called Shellpoint and went online to request a COVID 19 temporary forebearance since I can not afford my mortgage. It is know XX/XX/2020 and I have received no information except for a MORTGAGE STATEMENT showing I am now past due 2 payments. 

I have nothing online nor in the mail acknowleding my request. I have done this twice and have gotten nothing.