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

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have a vehicle loan with Bridgecrest for a vehicle that I purchased from XXXX a few years ago. On XX/XX/year>, my vehicle loan was paid off. It is now almost the beginning of XXXX and this account still shows open and a balance of approximately {$32000.00}. This issue is causing me issues with purchasing a home.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX
Product: Debt collection

This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital. I never agreed to sign for a 3rd party collection company to have my personal medical records.
Product: Credit reporting or other personal consumer reports

Submitted dispute to TransUnion for multiple accounts not belonging to me to be removed.
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 violates the Customer 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. Additionally, 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 card or prepaid card

XXXX  account through Comenity Bank on credit bureaus states XXXX account is open with a credit limit of {$500.00}. I did not receive documentation from XXXX indicating the account was closed. On the retailers website the account was listed and open to XXXX financing. On XX/XX/18 I called XXXX to follow up on a complaint I had in the ability to place a order. It was confirmed last week that the account was open. mgr XXXX XXXX called Comenity Bank spoke to a agent and then connected myself, himself and the Comenity rep together. The comenity agent said I had not used my account in a while and needed to ask me a couple of questions before he can allow me to use the XXXX credit limit all the while the XXXX rep was on the phone listening. I feel because I had initiated a call last week and my negative interactions with XXXX, XXXX I strongly feel I was discriminated against in being granted my credit being restablished.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 
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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXXXXXX   Account Number : XXXX Date Opened : XX/XX/year> Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So just last week XX/XX/XXXX I was notified through XXXX XXXX that my credit score had dropped down a whole XXXX points when I called them and I asked them why is that possible and I have never seen these people 's under none of my information before and I gave them the initials of what I seen on my XXXX XXXX. Now they basically was telling me that they have multiple credit cards but they turned me over to the fraud department and they did the same thing and ran my social and my name and my address nothing ever came up but XXXX XXXX with TransUnion they said they removed a credit card off my credit report that evidently took me down XXXX points well I have not had a credit card since I was XXXX XXXX years old. So I'm not understanding how that could be possible that you can take something off my credit report that I know that I did not do the dates that he gave me did not coincide with anything that I knew about not even knowing anything about the company 's name that was on the TransUnion and that brought my score down XXXX points. So I even called back to let them know what the company has said that they could not find anything so they are mailing me a copy of my credit report they're telling me that I'm delinquent on some stuff but I only have one account that they're claiming that I'm delinquent on that's on my credit report and I'm just feeding that one so this one that took my score down a whole XXXX points I have no clue about I know I have gotten several email stating through different companies that I have done business with that they've had data breaches so they told me to make sure that I watch out for anything that's not correct and that doesn't look right and let them know but I don't even know what company I can let them know because the company that's on my data they're saying that they go through several different companies with several different credit cards so I don't know what's going on and who did what but I need my XXXX points back and I need this taken off my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Product: Credit card

I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.
Product: Debt collection

Commenity Bank, lied during the investigation telling the reporting agencies that this was from a charge in XXXX I provided them and the credit agencies with documents that I paid that debt off in full in XX/XX/XXXX with a check from my personal account ( Attached ) They never fixed it. O guess the credit anhencoes just believed them annd I have the proof. The representative from Commenity also lied to me on the phone and said they cant even see charges from XXXX nor XXXX because its to old. They have done everything to destroy my credit and take my money. And all was said was well why did u pay I told them it define was I. Error because I respect my credit. My credit was in like XXXX before they destroyed it with this fraudulent claim. I advised them to call XXXX XXXX XXXX like I did and verify that I never had a procedure that Im being charged for of XXXX. Commentity said since I was paying a bill that was not mine for almost XXXX and just disputing I need to continue. I advised them that I didnt remember I paid it off thats why I was paying every month but once o realized they should refund me my money and take this off my credit report and bring my credit score back up. They said I think XXXX days to dispute since I was paying a bill that didnt belong to me I must continue to pay. This company has damaged my credit score. I sent certified mail to them as well. And they know I didnt have the procedure and still calls and emails be and has added more fees because I stopped paying once I realized Ive paid the over {$4000.00} that I dont owe and should not have been charged for. Im out of XXXX and its in my credit report. This is horrible. Attached is letter I sent through certified mail.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a apartment rental lease with XXXX XXXX XXXX XXXX ( previously or possibly also XXXX XXXX XXXX XXXX ). This account has resulted in fraudulent collections. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made or initiated by me. The aforementioned account is the result of identity, theft and fraud. I have attached a copy of my FTC identity theft criminal complaint, Police Affidavit of fraud, Drivers License and Social Security card as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Lexis Nexis credit reporting agency block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided. The following addresses also have never belonged to me and are being reported erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX, NY XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX Silver XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. XXXX XXXX is incorrectly reporting an account that has been sold to another entity, yet it remains on my credit profile under their name. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information is required to report only accurate information. Since XXXX XXXX no longer owns the debt, they are in violation of this statute by continuing to report the account under their name. 

Additionally, under 15 U.S. Code 1681b, only those with a permissible purpose may access or report information on my credit file. As XXXX XXXX no longer has ownership of the debt, their reporting constitutes an unauthorized furnishing of information, further violating federal law. 

I request that XXXX investigate this matter and either correct or delete this erroneous reporting immediately. Please provide me with confirmation of the resolution of this dispute within the legally required timeframe of 30 days.
Product: Credit reporting

The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and deny any knowledge of the XXXX XXXX  account with the partial account number XXXX, which appears on my credit report. I have no association or prior knowledge of this account, and I believe it was opened fraudulently and without my consent. 

This unauthorized account has negatively impacted my credit report and financial standing. I respectfully request that this account be immediately removed from all of my credit reports to restore my credit integrity. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any additional information or documentation needed to expedite this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided XXXX, XXXX and Equifax with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Product: Credit card

In XXXX, citi bank began a XXXX XXXX loyalty program taking all the miles into a NEW Business aadvantage combined account with all the employees cards listed being put into one account. The loyalty points however are supposed to be posted to the individual card holders accounts. I am only getting the primary and not the employee ( me ) cards. I have a main account ( the primary ) and I am also an employee as well. I have called over 40 collective hours between citibank and XXXX XXXX. One company blames the other, but Citi has to be the one that reports the usage on the card. 
I am told i will get a response in XXXX days and have yet to get one after being told that at least 4 times. I only have 30 days left to resolve this for my airline to place me on the correct status.
Product: Mortgage

We took out a mortgage in XX/XX/XXXX and although we had excellent credit at the time, interest rate was 5.2 percent. The following year they called and offered to lower our interest and payment. Suddenly they canceled the refi and everything went to XXXX. We filed Chapter XXXX and signed a reaffirmation. The BK was discharged and they sent us a letter for a loss mitigation program. We applied and they approved us immediately. It lowered the interest rate to 3..8 percent and the payment went from {$1900.00} to {$1400.00} per month but the term changed from 30 years to 40 years. Since it is an FHA loan we had to include an escrow payment which they said would be {$240.00} per month. We paid the 3 trial payments and now suddenly the escrow has ballooned to {$600.00} per month and our mortgage payment is higher than before. 

Now yes, I understand not getting approval for a loan. However, what I cant abide is someone calling me making pie in the sky promises on which they can not deliver. Its just a XXXX thing to do to people. To tell a retired person they are going to save {$1200.00} a month and get rid of the PMI only to retract the statement a day later is an emotional roller coaster I would rather not ride. 

Im really offended at being manipulated and exploited as a financial product. 

Raising our escrow payment - in fact demanding wildly fluctuating amounts WITH NO SUBSTANTIATION citing a new escrow analysis that they have yet to provide, all the while sending letters threatening foreclosure. This is unacceptable to us and a terrible business practice. 

Quicken reported us on XX/XX/XXXX to the credit bureau for being late? 
The program Quicken pitched to us is called APPLICATION FOR SUCCESS! How is the in any way making us successful? 

First of all, on XXXX XXXX we were still under protection of the automatic stay of BK. Secondly, what damage was caused to Quicken when they had already set up autopay for the trial modification and added TEN YEARS of interest to our loan. In XXXX we paid XXXX in interest on our loan. Does this count anything? 

In XXXX we handed over {$40000.00} cash to Quicken as a down payment plus and additional XXXX in closing costs. Does this seem to be the behavior of someone not taking this seriously? 

Recent notice of autopay for XX/XX/XXXX. At NO time did we authorize this. Please check your recorded lines, there is no record of it. 

They treated us like low rent XXXX. All of this could have been prevented if they would have just given us the refi in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions