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

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, XXXX, and XXXX ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage last month. The previous mortgage company completely removed my information from all credit bureaus showing excellent payment history, which caused my credit score to drop XXXX points and two of my creditors to decrease my credit limits, which also dropped my score even further, because they state no mortgage loan and mix not diverse due to no mortgage showing. I DO have a mortgage. Cardinal mortgage should have documented my mortgage with them Paid In Full since it was
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I was told I was given the wrong account and routing information. The agent told me via phone my account and routing number. this is from multiple customer support agents from cash app customer support. I was told an agent gave me the wrong account and routing number. The amount above was deposited into an account that is not mines but I was told it was my account because I called about MY ACCOUNT with MY LEGAL IDENTITY. All of this is verified before I even get far in the conversation with customer support. Unbelievable!!
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this Public Record : chapter XXXX bankruptcy XXXX Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX if you can not provide me with this informations in 15 days delete this inacurrate Public Record off my credit and send me a copy of my updated credit report.

I also spoke to the clerk at the US Bankruptcy court and they do not gives information to data furnishers
Product: Debt collection

I checked my credit report and notice this collection account on my report that is fraudulent, haven't been properly verified, reporting frivolous and inaccurate information. 

The collection agency purchased a fraudulent account that was removed off my credit report due to being a victim of identity theft back in 2015 I sent the creditor and the credit bureaus proof of this information and the account was removed however this is over 6 years later and this new company is now reporting the inaccurate information. According to the FCRA LAWS ensure that bureaus report only 100 % accurate credit information. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit card or prepaid card

XXXX XXXX credit card Creditor does unexpected interest rate increases and they also charge so many fees on top of all there interest rate fees. When calling them they say sorry you agreed to the term and conditions of the credit card that nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, I purchased my home with a mortgage from New American Funding. At the time ( and still now as of this writing ) they advertised their " XXXX year rate pledge '', a claim that if rates drop in the next XXXX years, they will refinance you to a lower rate and waive all lender fees and up to {$500.00} worth of appraisal cost. As of XXXX, XXXX, when rates had come down considerably, I attempted to refinance with this company. The loan XXXX, XXXX, said I could probably get a better rate now and then sent me disclosures to sign in which they tried to charge me {$1600.00} lender fee, {$2100.00} points fee ( 2.828 % ) and {$500.00} appraisal fee, disregarding their XXXX year rate pledge. 

When I requested this be corrected the loan XXXX said " This is directly from my XXXX please see below, To give the credit we would have to go for a higher rate but there would be no benefit or savings. I think we are still a little way off on this one the rate hasnt improved enough to get a NO COST loan. '' However, the XXXX year rate pledge does not state a certain amount rates must come down before it kicks in. Also the loan XXXX, XXXX XXXX, refuses to say what the rates would be without the stated closing cost and will not return my phone calls. 

I would like to see an end to this false advertising at once! If they will not honor their rate pledge, they should not advertise it!
Product: Mortgage

Despite multiple attempts orally and in writing ( see attachments ) Roundpoint Mortgage Service Corporation refuses to correct erroneous records regarding its timely receipt of mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE NOT ADDRESSED THE FACT THAT THEIR INVESTIGATION TOOK MORE THAN 30 DAYS.
Product: Mortgage

I have been trying to reach to Mr. Cooper now to discuss my options in regards to my loss of income and the XXXX XXXX issues I am experiencing. I have reached out several times to only be on hold for over 3 hours with nobody answering or no system in place to leave information. They are truly just shutting their eyes and not doing their job by dealing with their customers and FHA customers. Realizing there have been FHA mandates put in place they still refuse to be available to talk to or communicate with. We as a family are beyond fed up with Mr. Cooper.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX very upset that my information continues to get breached and spreading on the dark web. XXXX getting fake emails thats probably an attempt of fraud or hacking. There NO protection of my information yet I have to provide my information to you. XXXX getting mail for people that dont live at my address yet youre associating me with those people. XXXX requesting ALL of this false information to be removed and SECURED! If bureaus are unable to protect my identity and information then I shouldnt have to provide it to you. How do I know my identity hasnt been stolen?????
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.
Product: Checking or savings account

I opened an account with Axos Bank using a promo code that in their fine print was no longer active because I opened the account in XXXX and their payout for the promo was only worded until XXXX, so recognizing this inconsistency, I wrote into customer service the next day of account opening on XX/XX/year> so that they could apply a new promo code to my account which they supposedly did, I still have my case # saved where the customer service agent assured me everything was good to go, as well as just on XX/XX/year> another customer service agent said that a different promo code ( XXXX ) was applied to my account and now 1 day later on XX/XX/year> a supervisor calls me to offer me a {$20.00} compensation for the misinformation which doesn't cover anywhere close to the opportunity cost of the funds tied up in my account with Axos, just to not get any Promo bonus at all, even after asking then multiple times if everything was good to go, i was fed incorrect information and was not properly compensated in the slightest, 2 months of time and funds tied into a false dream.
Product: Prepaid card

This would be my third complaint to the consumer finance protection bureau regarding Bank of America prepaid unemployment card. In XXXX I was living in a not so great part of XXXX XXXX after my XXXX and I was having issues with mail and everything else my debit card from Bank of America had gotten stolen a couple times, unfortunately I was going through XXXX at the time and really didn't have the energy for the XXXX hour waits on the phone etc. I filed a claim on XX/XX/XXXX XXXX some of the charges that I noticed were fraudulent, as of today 's date that claim is still pending investigation. I also have three other claims that are all pending, all three are based off of a credit card that when I called in XX/XX/year> to file a claim for fraudulent charges again, I was told that that card would be closed and or canceled immediately. The bank failed to cancel the card and let it remain open for 1 year before replacing. They're holding me liable for all of the charges despite having the zero liability policy and despite the fact that I called the card in XX/XX/year> and they had a bank error and not canceling. I inquired about the individual review process that they were doing with customers that they had harmed during the covid situation with unemployment, and I was denied multiple times because they said I did not qualify. They also told me that the cfpb and the OCC office were in charge of customer list and eligibility requirements which was not the case I learned. Bank of America has repeatedly failed to honor the enforcement actions issued by the cfpb and has been giving me the runaround for years. I received contact information from the compliance and Regulatory complaint division, and despite my multiple phone calls and email it to him so I have yet to receive a response back to date.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for TransUnion, XXXX and XXXX to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX