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

XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My bank was called Suntrust at that time. While at the XXXX FL branch to open a safety deposit box account, a representative suggested that I apply for their credit card which offered a high credit limit, zero interest and zero minimum payments for a period of time ( 15 months ). I did. I activated my card around XXXX and started to avail of the offer to save on interest. A few months later Suntrust became Truist Bank. 

After about a year I started to look at my statement to check when the promo would end. All my statements from Truist Bank said - Intro period purchase APR : 0.00 % Intro period Balance Transfer APR : 0.00 % Intro Period Ends : XX/XX/23 I expected to start being charged interest effective XX/XX/23. To my surprise, on XX/XX/23, Truist charged me a full month worth of interest ( {$150.00} ). Ive called them, at least, 4 times, each call lasting anywhere from 1-1/2 to 2 hours at the end of each I would be told ( 1 ) When I called on XX/XX/23, after a long winded discussion, the representative told me that she got sent a message and got a response from their credit card department and she was told that there was an error and it would be fixed by the next statement on XX/XX/23. 
( 2 ) When nothing happened I called again on XX/XX/23 and after being transferred from one rep to another was told that the charge would be credited. Give it 7-10 business days ( 3 ) When nothing happened I called again on XX/XX/23 just to make sure it was still being processed. The fraud rep sent me to the credit card department and was told that the charge would be waived. Give it 3-5 business days.

( 4 ) When nothing happened I called again today, XX/XX/23. This time I was told that the escalation of my issue was denied and the rep on the phone said they could no longer escalate the issue ; like that's it. 

I have tried to resolve this over the last 1-1/2 months talking to various individuals at their customer service department, their fraud department and their credit card department. After hours of explaining the situation and each representative reviewing notes from prior calls, I eventually get assurances that this situation would be fixed until my call today, XX/XX/23, where I was basically told that their higher ups have denied the request- as if I was asking for a special favor. I'm just trying to make this right. Now interest is being charged against the fraudulent interest charge of {$150.00} as it continues to sit in my account balance. 

This isnt a big amount to them but it is to me. Any assistance you can extend would be much appreciated. Thank you.
Product: Mortgage

I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close. 
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX CARD XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regrading inaccuracies in my credit report despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer financial Protection Act ( CFPA ), 2 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2022 to remove comments from my accounts due to a pending mortgage and the mortgage company wanted them deleted. The representative did not remove the dispute comments and also opened new disputes which caused my credit score to drop XXXX. Called back XX/XX/2022 for resolution. Also requested to have an account deleted which has reached its 7 years statute of limitations. The representative stated that the date of delinquency changed and the date of deletion has also changed. I want this situation rectified
Product: Debt collection

On XX/XX/2017, I was sent a letter from Portfolio Recovery Associates claiming I owe them {$790.00} to which they reported on all 3 of my Credit Bureaus as a collection account. I later contacted the Credit Bureaus letting them know I that this account was not mine, after that I contacted the company directly in written requesting the information that they held to verify that this was an account to which I own. They only sent me an itemized letter that can easily be fabricated, nothing with my signature or an agreement to pay what they are saying I owe. No detailed payment history saying what I own the money for or how they calculated it.

I asked for the statue of limitation on the debt to which they say I owe since they are reporting it in collections, I asked for proof they are licensed to collect in the state of South Carolina along with the license numbers of their Registered Agent or Agent of Service. To which they completely ignored and only sent another bill with the same itemized letter and saying they will no long respond to my request.

They have removed this account twice now and added it back to my Credit Bureaus in different amounts, they are harming my overall credit score and blatant fraud. I wish have this issue resolved and the account removed for good this time. I am prepared to take legal actions if need be but I'm contacting you to see if this can be resolved before litigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for incorrect late payments reported on my credit report during the COVID-19 national emergency period. These late payments were recorded for account XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, creditor XXXX XXXX reported my account as delinquent, which unfairly impacted my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX XXXX and requested that my account status be corrected to reflect a " PAID/ACCEPTED '' or " OK '' status for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I request that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Mortgage

I applied for a mortgage on  XXXX / XXXX / 17  to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.
Product: Money transfer, virtual currency, or money service

I am filling a complaints against cash app ( block , inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act. Specifically cash app failed to take timely 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 not comply with error resolution requirements under the electronic fund transfer act and 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

Transunion and XXXX  XXXX reporting to third party site " opt-out of all 3rd party vendors
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this fraudulent account with Experian and they have not removed it from my credit report. This account is not mine. I recently opened a dispute with Experian on XX/XX/2021 and it came to a decision very quickly on XXXX of 2021. That does not make sense tor them to verify it that quickly.
Product: Credit card or prepaid card

In XX/XX/XXXX We called Capital One concerning problems about getting on to our account at that time they did not tell us that there was fraudulent activity on the cc account at that time, even though they knew of it. Later in XX/XX/XXXX we called again asking what was the problem. Then in XX/XX/XXXX of XXXX we were then told of all the fraudulent activity going on with the account and that they would send us another credit card and close the old one out and told us that they would take off the fraudulent charges. On XX/XX/XXXX we called capital one again this being the 6th time because we were kept on hold several times for over 30 minutes, that my birthdate did not match what I told them. I then proceeded to tell them it was internal fraud. They also put all the charges BACK on my CC because they deemed it not fraudulent charges. I have since called them 6 more times, only to be told that my birthdate doesn't match and there is a problem with my account ... ... .. I have sent 2 letters asking them to resolve this issue, since they had not sent the new CC for this account I have no way of discussing this issue without giving them the old account #. Almost all of their customer service reps. are unwilling to help for whatever reason.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX  XX/XX/2020 eToro USA LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Demand Notice To Whom it May Concern : On XX/XX/2020, I applied for an investment account at eToro USA LLC ( the Company ) in response to an offer to earn XXXX  SB ( the Offer ) on the XXXX website ( the Website ). The Offer terms stated Register, deposit {$50.00} and make two trades to earn XXXX  SB!

I completed all requirements by XX/XX/2020. 

As of today, the XXXX SB points have not posted to my account, despite repeated inquiries with the Website. 

Now, I respectfully demand that the Company pay the monetary value of the Offer ( {$70.00} ). 

Otherwise, this matter will proceed to trial with all costs borne by the Company. 




Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the XXXX XXXX fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX/XXXX  XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$420.00}
Product: Mortgage

I applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in XXXX.