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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information submitted on my files with Equifax. this has been an issue that needs to get resolved asap. this has been addressed multiple times an not errors have been fixed. please review an remove all information submitted in the files asap.
Product: Checking or savings account

Someone tried to open a checking, savings and auto loan in my name at Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, XXXX and Equifax. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and Equifax removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and Equifax again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had an offer to check for a mortgage refinance with XXXX XXXX  by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XX/XX/2024.Improper use of my credit report. Unauthorized use of my credit report.
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 timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 an 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 or 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: Mortgage

Hi, I am not sure where or to who am i speaking about the mortgage fraud. It happened when I filled out for a forbearance only for XXXX  months ... XXXX, XXXX XXXX XXXX last year, and then after XXXX  months suspended for forbearance, I started regular payments on XX/XX/2022 and continue payments. So when I looked at the mortgage statement, they are try to say that I owe them more than what I know how much I owe. I called the mortgage company and discussed and expected to solve it several times, so when we were done discussing through a phone call, they emailed me the mortgage statement with the correct information for how much I owe, but it seem the same and won't change, they refused to fix the error. I have information on mortgage payments regularly and always on time. 

Attach documents ( optional ) Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review. 

I prefer to email you with attached documents if you give me your email address.
Product: Debt collection

The 3 Credit Bureaus are reporting inaccurate information on SOUTHWEST CREDIT SYSTEMS. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST correct or remove this immediately, I don't think this collection is 100 % accurate.
Product: Credit card or prepaid card

My credit card was stolen on or about XX/XX/XXXX ; upon learning of this situation I immediately contacted TD Card Services and reported my XXXX XXXX Client Rewards Visa credit card stolen on the same day of XX/XX/XXXX. TD Bank Services assigned this as case # XXXX. TD Card Services closed my account immediately to prevent further unauthorized charges and mailed me a new card ending in XXXX. TD Card Services said I would not be liable for any unauthorized charges which is pursuant to their terms and agreement. During the call, TD Card Services identified two unauthorized transactions of {$230.00} and {$230.00} made on XX/XX/XXXX, the same day my wallet was reported stolen to them. These two transactions were the only two identified as unauthorized and the bank assured me this is protected by their zero fraud liability protection since I had reported my wallet stolen promptly. 

I received a letter dated, XX/XX/XXXX stating that no billing error occurred and that I was responsible for the charges. I did not receive any type of proof documentation by TD Card Services supporting the reason for their decision. I immediately called TD Card Services ( XXXX ) and was told that " since no more attempt to charge the card was made after XX/XX/XXXX ; they therefore assume the charges as valid '', this is the most absurd reason I have ever heard. The reason TD Card Services has given me to support their validity of the charges does not make sense and lacks any type of credibility and logic. I know for a fact that the bank is in violation of its terms and agreements and also in violation of federal law for re-posting these charges which are clearly fraudulent as a result of my wallet being stolen. The bank has not presented any paperwork evidence to support their position which is unacceptable on all levels.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to remove and block certain accounts on my credit report, which have been reported as a result of identity theft. I believe that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) concerning identity theft provisions, specifically Section 605B, which mandates the prompt removal and blocking of inaccurate information. 

I have taken appropriate measures to address the identity theft issue and have provided TransUnion with all the necessary documentation and evidence to support my claim. However, TransUnion has failed to comply with the FCRA by not removing and blocking the following accounts within the required four-day timeframe : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX It is my legal right, under Section 605B of the FCRA, to have this information promptly removed and blocked from my credit report, as it is a direct result of identity theft. The law states that consumer reporting agencies must act swiftly to prevent further damage to my credit and financial reputation. Therefore, I kindly request your intervention to ensure that TransUnion fulfills its legal obligations in this matter. 

I have attached copies of the following documents as evidence of the identity theft and my efforts to resolve this issue : A copy of the Identity Theft Report filed with [ Local Law Enforcement Agency ] on [ Date ]. 
Any other relevant supporting documentation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA by promptly removing and blocking the aforementioned accounts from my credit report. This is crucial to rectify the harm caused by this identity theft and to safeguard my financial well-being. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and any actions taken. 

Thank you for your assistance in resolving this matter and upholding consumer rights and protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX on XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through Experian but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my Experian account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them XXXX XXXX XXXXXXXX on XXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at Experian as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at Experian and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at Experian but not okay huh with XXXX on XXXX using a different uh credit reporting agency he cited XXXX XXXX saying it would be against that law to use XXXX.
Product: Mortgage

Seterus is my mortgage service. My bankruptcy was final XXXX XXXX, 2014. It was a Chapter XXXX bankruptcy. The mortgage was outside the bankruptcy. Seterus has not been reporting my mortgage to the credit agencies since they have been servicing the loan. They started servicing nearly 7 years ago. They now say I must re-affirm the loan. My bankruptcy attorney says that is not true, that they should have been reporting the loan all along. 
I am securing a refinance of my home and it is not possible while Seterus continues not to report the mortgage to the credit bureaus. Please " encourage '' Seterus to report the loan ASAP. 

You handled another complaint I filed on Seterus ( Case number : XXXX ) Thank-you, XXXX XXXX
Product: Mortgage

Tried to refinance my home and just found out that PNC Mortgage, has a lien on my home in the amount of {$5000.00}. 

Attached is a copy of the modification papers showing the unpaid principal amount of {$21000.00} and the new amount of {$4100.00} being added to the principal amount ; however the added amount of {$4100.00}, was put on my home as a lien. IT SHOULD HAVE BEEN TAKEN OFF AS SOON AS IT WAS ADDED TO MY PRINCIPAL. PNC MORTGAGE IS BEING PAID TWICE. 

Also XXXX  XXXX, paid PNC Mortgage the full new principal amount when they took over my mortgage account. 

My next complaint with PNC MORTGAGE, is the fees for transferring my account to XXXX XXXXXXXX in the amount of {$1400.00}. WHY DO I HAVE TO PAY THE FEES FOR PNC MORTGAGE TO TRANSFER MY ACCOUNT?? PNC Mortgage is charging me for something that I DID NOT REQUEST!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX I request that my current address be updated accordingly.
Product: Student loan

Prior to the pandemic, I was making my payments regularly and I was able to pay more than the monthly amount due. I asked if I could make principal only payments in addition to my monthly payment and waa told that this was not possible. This ks absolute nonsense and seems to me to be a way to keep individuals in perpetual debt. By making regular and principal only payments, I can pay my debt off faster, but this is not possible with FedLoan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report in correctly shows a balance due of {$13.00} to XXXX XXXX. I have complained numerous times to XXXX and thought this was corrected. I closed the XXXX XXXX because I could not tell what they were charging me for. Because the card was closed XXXX tried to charge to my card after closing, the auto charges for XXXX streaming services were then charged to my XXXX XXXX Credit Card and paid. They double dipped because they did not remove the {$13.00} charge to the XXXX card that was made after card was closed and charges were objected to. XXXX is showing on Equifax that I had 60 days late pay which I assume substantially is lowering my FICO score. 
I found the XXXX XXXX to be a complete failure. Charges would go onto the card for XXXX services without explanation what they were for - data, streaming, very confusing. 
I request this error be reported and removed. As you can see from my credit reports I have absolutely no late pays and otherwise excellent credit reports.
Product: Credit reporting or other personal consumer reports

My wife and I applied for a loan. And before the loan application was even finished entering we started receiving SPAM calls. One of the credit reporting agencies sold our data without OUR CONSENT to other loan sharks.

We have been bombarded with calls since then - almost every 3 to 5 mins.

It's absolutely frustrating that we trust the credit reporting agencies to honor and protect our information and they sell it to profit and make money.

These people should be prosecuted by law to the fullest extent for selling information without consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Status : Late Payment XXXX Account Number : XXXXXXXX XXXX  Status : All 3 agencies XXXX  Account Number : XXXXXXXX XXXX Status : Charge Off XXXX Balance : {$7300.00} * Account Number : XXXXXXXX XXXX  Status : All 3 Charge Off XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Status : All 3 Collection XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Status : Transunion and XXXX Late Payment XXXX. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Status : Collection Transunion and XXXX XXXX. XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Status : Transunion and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX