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

FIrst, there needs to be a descriptive option above that says " unjustifiable decrease in credit score ''. The reason for my contact & request for assistance today is because there is a XXXX XXXX & XXXX POINT DIFFERENCE between my Equifax FICO and XXXX scores for no good reason provided. Both scoring models are basing their respective scores using the SAME ACCOUNTS & account histories. Yes, I understand that each scoring model weighs each account history differently, but the point differential between the two is too wide & the FICO score is reputationally damaging as it is so low that it would prohibit me from renting a home and perhaps even gaining employment. Therefore, I'm asking for your assistance in compelling Equifax to raise my Equifax FICO score be more on par & within a fair range of my Equifax XXXX score. There shouldn't be any more than a XXXX point difference between the XXXX. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is incorrect. I have never lived at the listed address XXXX XXXX XXXX XXXX XXXX, XXXX. Show me the burden of proof.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take 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 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, It has been over XXXX  days and I haven't received any investigation result
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.
Product: Credit reporting

I had XXXX lens on my report which Was paid in full and should be removed but it 's still on my XXXX and equefax report
Product: Credit reporting or other personal consumer reports

I reviewed my consumer Report regarding XXXX XXXXXXXX XXXX XXXX, account # XXXX and notice that I had a few inaccurate late payment report on an account that I paid off and closed. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. The payment history showing on both credit report agency Bureau are inaccurate. Please investigate and provide proof with statement showing that this payment history accuracy & remove it from my XXXX Report.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information
Product: Money transfer, virtual currency, or money service

There has been stolen identity to my XXXX XXXX  account. I have gotten my wallet stolen and there's been 2 checks that was process and taken out of my account and put me in a negative with XXXX XXXX  on both accounts checking and savings I'm under a hardship with financials with no job! And I do not have a chase account. I have proof that someone did cash checks and fraud by forging signature. Please help me with this problem I can send documents to show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, Online Information Services with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : Online Information Services-XXXX, Online Information Services-XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA Set direct deposit with Santander Consumer USA through XXXX XXXX XXXX. 

Santander Consumer USA didn't mail statements or notices to Address. They never reach the customer. We spoke to XXXX XXXX  to insure the direct deposit was there. 

Contact the Post Office and the carrier the statement weren't send to the address ' Santander is local in XXXX Texas I have a land line I live at my resident for 40 years and Bank at XXXX for 35 years I get my mail for my other bills etc. 

I wasn't told of any problems through call mail or other Poor communication on the part of Santander
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFPB complaint { Complaint # XXXX }, to Experian, about a FRAUDULENT Hard Inquiry on my Experian Credit Report. The FRAUDULENT Hard Inquiry is from XXXX XXXX XXXX, dated XX/XX/XXXX. It is FRAUDULENT because I never DIRECTLY gave XXXX XXXX  XXXX permission to access my Consumer Credit Report. Experian and XXXX XXXX XXXX both refuse to delete/remove this FRAUDULENT Hard Inquiry from my Experian Credit Report. So my only chose was to let time take care of this FRAUDULENT Hard Inquiry. Federal Law require Hard Inquiries to be deleted/removed from Consumer Credit Reports in 2 years ; As of today, XX/XX/XXXX, it is well past 2 years, and this FRAUDULENT Hard Inquiry is still on my Experian Credit Report { See attached Experian Hard Inquiry XXXX XXXX XXXX }.
Product: Mortgage

Date : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Address : XXXX Fletchwood XXXX XXXX MD XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX  : XXXX  disclosure department, XXXX XXXX XXXX, XXXX, Ga XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern : I am writing to dispute the following information in my file : Account # : XXXX Open : XX/XX/XXXX Balance : XXXX High Balance XXXX Payment : XXXX Account Home Loan. 
Premises address : XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX  XXXX XXXX XXXX Account identifier District XXXX account number XXXX My then wife with the help of the women batter center in XXXX , Md file a file XXXX charge of XXXX against on the compliant file my XXXX XXXX XXXX . I was XXXX  and XXXX, I was order to never return are put one foot on the property are I would go the Jail. This was XX/XX/XXXX, on XX/XX/XXXX I was found not quite of all charges since they were made up away, but the damage had been done I had lost everything including my current job. I file a lawsuit against my employer for wrongful termination and won. All the creditors came after me filing garnishments and I was already paying back child support by garnishment. I had know other course but to filing a ChapteXXXX XXXX. Now by credit is suffering because of a lie five years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through XXXX XXXX XXXX. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through XXXX XXXX XXXX on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from XXXX  at the end of XXXX indicating that the claims on my credit report would stay because XXXX XXXX XXXX told XXXX that they determined it was not fraud. I then received a call from XXXX stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at XXXX XXXX XXXX by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed Ms. XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. XXXX XXXX XXXX clearly do not care about my circumstances as they obviously did very little ( if anything ) to investigate and resolve this situation of identity fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have disputed XXXX XXXX XXXX with XXXX, Equifax, and XXXX and have repeatedly asked for PROPER validation of debt from XXXX, as well as, asked XXXX, XXXX, and Equifax to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, Equifax, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX continues to make representations about unsubstantiated debt. I have asked numerous times for XXXX XXXX XXXX to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. XXXX XXXX XXXX did not provide the required disclosures when collecting on debts beyond the statute of limitations. XXXX XXXX XXXX committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when XXXX XXXX XXXX determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for XXXX XXXX XXXX to investigate the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to send back the car way back in 2013 yet it is still reporting up to this date. I thought we had a common ground that this will be removed already. Please consider helping me on this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.
Product: Money transfer, virtual currency, or money service

I have a balance around {$5000.00} with capital one auto finance. I have been sending letter after letter asking to settle on an amount that I can afford. I am trying to avoid bankruptcy and COVID took a toll on my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX re added a major derogatory account to Equifax knowing I was an identity theft victim since XXXX. Equifax is how this all started due to a data breech which I was registered as a victim. They cleaned up my report and now they are allowing old fraudulent debt back on to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from Jpmbc card service on XX/XX/2019. Called the company the day after this happened and they stated they would investigate t and have the inquiry removed. Never applied for any services with this company. No action has been taken and its been over 3 months. It is showing as a hard inquiry on my XXXX credit report. I would like to have this removed as it was done fraudulently either by identity theft or by the company running my credit without my permission.
Product: Debt collection

XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
Product: Credit card or prepaid card

I have two separate credit lines with fortivia credit both lines show that my balance is not going down after a few months of making payments I realize my balance is still high and I have not used my fortivia XXXX  account since XX/XX/2021 my other account with for XXXX  I was penalized for making my payment early so I was charged for a late fee although my payment was early and then they did not apply my monthly payment to my account someone has kept my money no one wants to reimburse me nor do they want to apply that monthly payment to my balance to me that is actually stealing from someone I never knew that there was a fee for pain one day early I also would like my money back since they are not applying it to my balance nor my account I can not afford to keep doing this it took me months to realize what was happening but I now realize what's going on there are many bad reviews on fortivia credit card line online now I wish I had known sooner someone please help me XXXX XXXX XXXX
Product: Mortgage

I was injured and was put on XXXX therefore my income decreased and fell behind making payments.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX  credit bureaus regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. It is well over 30 days and the 4 inaccuracies are still on my account and it still hasn't been updated or removed.
Product: Mortgage

Roundpoint Mortgage Account No XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Loan refinanced/paid off XX/XX/XXXX Debited my personal checking account XX/XX/XXXX for {$3000.00} How can they debit for a mortgage payment that has been paid off? Called and they said it was my fault because of an online request? Regardless of what the request may have been for, the loan was paid-off. Now being told have to wait 5 working days, and then they 'may ' be able to request a check be issued to me? And they can't XXXX  so I'm looking at not getting my money back until possibly the 2nd week of XX/XX/XXXX? And they can't credit my account, then how is it that they can debit my account?
Product: Credit reporting or other personal consumer reports

Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}