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

Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00}  and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union  mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries from your company that I have no record of approving. This is impacting my credit score severely, and its unacceptable.
Product: Debt collection

Person called to tell me I owed XXXX for an account they would not provide the account number for. Person threatened my credit and made up false explanation for why a false debt was just now being collected on after 6 years. I called former bank of which the debt originated and they verified this was false. Person was named XXXX XXXX and claimed they had done a federal background search to find me. The number I was called from was XXXX.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashapp 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), all information reported on my credit file must be 100 % accurate across all three credit bureaus. I have reviewed my credit report and have identified multiple accounts that contain discrepancies and inaccuracies. As such, I am requesting that these accounts be either updated to reflect accurate information or removed entirely.

The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX. Account Name : XXXX I request that these accounts be investigated for accuracy. If you are unable to verify that the information reported is correct, I expect these accounts to be deleted from my credit report in accordance with the FCRA. 
Please note that under the law, you are required to complete this investigation within 30-45 days of receiving this dispute. If my request is not fully satisfied within that time frame, I will proceed with legal action to seek damages of {$1000.00} for each inaccuracy, as allowed under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 there was a hard credit inquiry that was submitted to my credit report. 
The company listed is XXXX XXXX. I first contacted XXXX and they gave me the full name of the company. They do credit applications for people that want to pay for glasses through a payment plan. I recently purchased glasses so I thought that it was valid. Then I contacted my optomistrists office and asked them why the submitted a hard inquiry when I didnt authorize it. They said that they dont use XXXX XXXXXXXX.I contacted Comenity Bank who is the bank behind the XXXX XXXX XXXX XXXX 
None of these companies have any applications listed under either my name or social security number. However, my name is connected to this company in some way. I have contacted XXXX XXXX and they have no information about this. I have asked Comenity Bank to remove the credit application and mark that it was an unauthorized hard inquiry. They will then sent it to the credit bureau so the credit bureau can remove the inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Public Record from a XXXX XXXX bankruptcy discharged on XX/XX/XXXX. 
Reason : I dont recognize this public record. Please provide proof from the court of this public record. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND THEZE FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ XXXX  Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 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 conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was openedXXXX XXXX XXXX XXXX XXXX XXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXX  XXXX contacted me we determined I wasn't the person tht opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account XXXX XXXX XXXX XXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the XXXX  company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The fraudulent and inaccurate information appearing on my consumer report has persisted despite my repeated efforts to address these unauthorized entries. As a confirmed victim of identity theft, I never authorized or consented to these items being associated with my name, and their continued presence has caused immense personal distress while significantly disrupting my financial wellbeing. The emotional toll of dealing with this identity theft has been overwhelming, affecting my daily life and peace of mind.
Product: Money transfers

Today, I received an email from a valid western union email id that I have made a money transfer from XXXX to XXXX. All the personal information given in the email is correct like my name, my email id. The postal address which is given in the email is the one where I used to live last year, also the phone number is my previous phone number. However, the credit card given in the email is not mine. So in summary, someone is using my personal information and his/her credit card to make a money transfer. 
I want to add here, that last year when I was living at the postal address mentioned in this email, I made a western union transfer, so what I am suspecting is that the personal information collected at that time is being used now to make this fraudulent transfer. 
Kindly investigate in this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted XXXX, XXXX, and TransUnion informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and TransUnion is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and TransUnion to follow the law, they clearly feel as though the law does not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to repair our credit reports they still can not get it right. XXXX. Perhaps it is because they process off shore and while people speak English they do NOT comprehend it? Report XXXX STILL INCORRECT- REFLECTING INCORRECT BALANCES PAID TO ZERO A MONTH AGO! DISPUTES STILL NO NOT HAVE OUR SIDE OF THE ISSUE! AND OUR CREDIT SCORES STILL DISMAL! Why becuase they get thise they can never get it right NEVER becuase they only rrreprot what these loser banks and lenders snd when they send it. They in my opinion totally bias toward them and XXXX the consumer ans does the so called CFPB! Fact by nature of works or NOT! Of course all the XXXX on my report ipacts my wife. Evil knows what to do don't they?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hiring a lawyer to sue Experian because the CFPB is responsible for protecting consumers rights, I have sent over 10 disputes via the CFPB to Experian for the account " XXXX XXXX XXXX ''. 

The CFPB has allowed Experian to violate my rights as a Consumer month after month in regards to Section 609 of the Fair Credit Reporting Act. I sent a dispute last month that contained new documentation including a police report, an FTC identity theft report, and a 609 letter. 

They are reporting the account as " late '', " paid '', and " charge-off '' which we know is virtually impossible for all three to occur simultaneously. How can I have a paid as agreed checking account, showing on my credit as a charge-off account, that is showing late payments?!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

This is a XXXX XXXX prepaid Visa 1-2-3 rewards, not to be confused with the 1-2-3 Master card. My prepaid card is used almost exclusively to make it easier to pay bills ; as I'm XXXX and on a fixed income. 
The monthly fee for this type of card is {$3.00}, but if your balance is less at the time the fee is charged, they charge less. 
I had {$28.00} on my card on XX/XX/2019 ; the date the fee comes off They charged me {$4.00} and when I called to inquire about this the rep told me the fee changed XX/XX/XXXX. I stated I had not gotten anything letting me know this fee had been raised and the rep said she could not do anything about this I then went to the XXXX and looked at the FAQ 's updated XX/XX/2019 for this particular card because they have several different cards with different terms There it tells you that the fee is {$3.00}, and under the cardholders agreement, the same. It had also been updated XX/XX/2019. It further states that if they are changing the fees associated with this card, they will give written notice prior to the effective date as required per applicable law. According to FDIC.gov rules on their website, it states that the increase must be in writing and highlighted in some manner. I did not get anything from them. When I had finished my homework ; so to speak, I called back. I told them what I had found. They put me on hold to look for themselves. The floor supervisor I was speaking with came back and said that he just checked the website and it states the fee is now {$4.00}. I told him he was crazy because the website I was at said no such thing! I asked him to waive the fees. He said no. I am pretty stressed at this point in the whole darn mess. I needed that money for a bill. It is unlawful to do what they have done. Besides my not receiving written notice, it clearly states their rates are different than what they are charging and that is false advertisement, I am pretty sure. At least in California it is.
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 Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Lakeview is only offering a loan modification that changes my interest from XXXX to XXXX and increases my mortgage {$300.00} after covid 2019 forbearance on my FHA loan. They have told me that is my only option other than paying the balance in full. I am being forced into foreclosure. When I applied for my forbearance, I was told one of my options after forbearance ends would be to keep my current monthly payment and add the balance to the end of my loan. They are now refusing to honor that. I even asked them to pull the calls. Per my understanding of HUD XXXX XXXX, they should also offer me a repayment plan without changing my loan terms but they refuse.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting three fraudulent accounts that are reporting incorrect information on my credit report. Ive contacted them for information on the creditor account and they have not sent me any information or original creditor agreements about these account reporting incorrect information on my reporting incorrect information according to the Fair credit reporting act!
Product: Checking or savings account

My sister gave me a check to cash out from her back which is XXXX XXXX, I went to Citibank ( my bank ) to cash it out but the cashier told me I had to deposit it first and after she deposited she said I was only able to take out a small amount today, which she didnt inform me about before depositing the check at all ( the whole check was for {$5000.00} ) I need this money tomorrow ( XX/XX/19 ), because Im buying my mother a car, I even went to the branch to reverse it and they couldnt do it because the manager wasnt there. Im located in XXXX, Florida. Please help me with this, this happened on XX/XX/2019
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Experian emailed me this and there is a XXXX number they provided that says FOR A FASTER CALL THIS NUMBER well call that number and you get a customer service rep that can't speak XXXX and all they want is your social security number and then they tell you there is nothing they can do because they don't have access to fix anything SO IF THEY CANT FIX ANYTHING WHY DO THEY NEED YOUR SOCIAL SECURITY NUMBER. FRAUD FRAUD SCAM SCAM
Product: Mortgage

In XXXX I applied for and rejected a HAMP modification with my mortgage servicing company Ocwen Loan Servicing. They never canceled the modification after XXXX conversations and XXXX letters to the company. Upon making my XXXX payment per the online system in the amount of {$650.00}, which has cleared my bank account. I am now being told that Ocwen will report my loan as late as there is a balance remaining for XXXX in the amount of {$170.00}. Keep in mind in 10 years I have never paid a late mortgage payment and I have always paid my mortgage on line. No where in the online system did it state that my payment was anything more than {$650.00}. I have recently received my current billing statement for the month of XXXX and it states a total amount due of {$1000.00}. My normal mortgage payment is {$880.00}. When I call the automated system I am provided the following : payment for XXXX received {$650.00} ; Payment for XXXX due {$650.00} ; Payment to change XXXX/XXXX/15 from {$820.00} to {$880.00}. Ocwen can not get things straight and they are pushing it off on me. How do you get that I owe {$1000.00} when my mortgage payment is {$880.00}. 

Further, I am in the process of refinancing my mortgage and have requested a payoff statement which Ocwen is refusing to send or claiming they have emailed it yet nothing has been received.