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

I am in the process of purchasing a home and I have memberships with equifax.com, XXXX, XXXX XXXX XXXX Prior to XX/XX/XXXX every day/month I am able to access my reports with no issue. I noticed when I tried to pull my XXXX XXXX report from XXXX for XXXX, the equifax file had and error and I was only able to pull the other two. I kept trying for a few days thinking that it couldve been a glitch on the site so then I decided to try and pull a XXXX report from one of my other memberships and paid extra- they too failed. I went to equifax and tried to pull my free report and it hadnt updated on there a score since XXXX, however for the report it said I had a NH XXXX credit file and all of my accounts showed XXXX as if it didnt exist. 

I called equifax which to speak to someone is a total nightmare you spend 30 minutes entering your information and unable to speak to someone in the XXXX. I spoke a total of XXXX different calls in a weeks time speaking to no one who could help me. The first XXXX calls they said everything looked fine on their end and that they would escalate. Even after escalation no one called or followed up. 

My lender was unsuccessful at pulling me report and I have since lost out on XXXX different offers to purchase a home due to equifax issues. My lender then said when they enter for equifax it says fraud alert but equifax said there was no fraud alert. I havent filed any fraud alerts on my accounts and by the XXXX call I spoke to the fraud department who said they thought they knew what it was and transferred me to someone else. They told me to fax in my ID - I did this twice. One person said there was a block on my date of birth but all of my information has been consistent. Every time I call they tell me theres nothing wrong and I should be able to access and I have to tell them to read the case notes and then they say I have to send in my ID again. Had I not stopped myself I wouldve lost out on a {$30000.00} XXXX  money deposit on the last deal because with equifax not correcting whatever is wrong I am now without the house that I was bidding for. To this day which is now 2 weeks into this nightmare they still have not resolved my issue and my lender can not access my report. Spending hours on the phone and getting nowhere and because they couldnt help there were XXXX specific calls that when I asked to speak to a representative in the United States, they hung up on me.
Product: Mortgage

The RCS Inc. transfer our loan to XXXX a XXXX on XX/XX/2016, they received a payment for XX/XX/XXXX on XX/XX/2016 but they never transferred that payment to XXXX. Now XXXX says that we are XXXX month of payment behind. Yesterday we received mortgage interest statement for 2016 and it shows one month payment only, but they got XXXX payments : XX/XX/XXXX and XX/XX/2016. They never transferred payment for XX/XX/XXXX to XXXX it looks like some of them put the money in to their pocket, the amount of {$3200.00} it 's gone.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX Funding and they did not provide me with the original contracts as I requested with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Credit card or prepaid card

I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

The fact that they ran the credit on multiple dates or on the same day, multiple times, can be verified in their response. I authorized to have my credit ran only once and not multiple times. I filed the complaint and asked that the duplicated inquiries be removed : XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are supposed to make sure the information they provide is accurate and up to date. Because mistakes in these reports are common, the FCRA also gives consumers the right to disputes errors on their reports. The credit reporting agencies have 30 days to investigate the dispute and make corrections, urgent removal of unauthorized inquiries. Consumers also have the right to seek damages, due to the violations of the FCRA, class action suits, for damages that have been caused due to deceit on your behalf of the organization or reporting agency, with negligence during the current COVID-19 Pandemic, another form of abuse. 
In checking my credit for errors, I found that you, Umpqua authorized XXXX to run my credit on several different days. Under no circumstance would I have authorized you to have my credit ran on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

It would be great if you cleared this matter up, and if not, then I will take the next step with CFPB. Due to erroneous errors on behalf of organizations such as yours, running multiple credit checks, this is damaging to individuals ' credit scores and you did not have the authority to do this.

Simply stated, I authorized Umpqua Bank to run " 1 '' credit check, not two, and not 3. Fix your errors or let me know how you would like to proceed. Several inquiries and two individuals, I believe that my rights have been violated, perhaps identity theft and therefore requiring a fraud alert that will need to be placed on my credit profile, and the fraudulent transactions that have occurred on my credit profile, and I have the right to ask the consumer reporting agencies to block your information as a result of identity theft. 

Second, I did not authorize XXXX XXXX  to have my credit ran on three occasions, the same day, perhaps this was done within minutes of each, possibly, who knows! I submitted and requested to have my credit ran once, not two, and definitely not a third time and on the same date. 

Umpqua Bank, XXXX XXXX, XXXX, need to be held accountable for their actions. This is damaging to my credit, it involves several organizations, and two individuals, that consent for a class action suit for damages.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax credit reporting agency XXXX credit reporting agency and XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$2500.00}, a credit account at XXXX  with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on XXXX, Equifax & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Va XXXX ] [ XXXX ] [ XXXX ] XX/XX/year> [ CFPB ] [ XXXX XXXX XXXX ] Subject : Dispute of Inaccurate Information Code XXXX Dear [ CFPB ], I am writing to formally dispute certain inaccurate information that has been reported to you regarding my credit profile. I believe that the information provided is incorrect and does not accurately reflect my financial history. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX DOT XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX, XXXX. 
- Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : Credit $ - Date Opened : XX/XX/XXXX, [ Year if known ] XXXX. XXXX Secured - Account Number : [ Specify if known ] - Status : XX/XX/XXXX, [ Year if known ] - Account Type : Secured I am disputing these accounts based on Code XXXX, which pertains to inaccuracies regarding the status and balance of the accounts listed above. After reviewing my records, I have identified discrepancies that require correction. 

Please conduct an investigation into this matter and provide me with the results as well as a copy of my updated credit report once the corrections have been made. I have also enclosed copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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

Per the FCRA, you must respond within 30 days ... you can not take up to 60 days for this complaint - XXXX
Product: Credit reporting or other personal consumer reports

I am writing this report due to these hard inquiries that are still on my report, these are the remaining fraudulent inquiries that was attached to the fraud accounts that are now removed. I am asking to have these removed as well under the FCRA law and I was impacted by the XXXX XXXX BREACH. I am attaching the FTC file as well to get these removed. 
Here are the remaining fraud inquiries. 
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

There are many many accounts on my credit report with XXXX, XXXX, transunion that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the XXXX XXXX XXXX Balance : {$2900.00} and I always make my payments on time. Upon checking my updated Credit report I realized that there are late payments reporting on my Credit File. I wrote a letter to Experian Credit Bureau requesting for an investigation and update the payment history of this account and yet Experian had done nothing. This account is only reporting as late in Experian and was never late compared to the other bureaus. There is probably an error in their side. The last letter I sent to Experian was XX/XX/2022 and have awaited for their response. I was just disappointed that Experian have never responded to my letters. Experian must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this account as unverified information without providing any proof within the period allowed by law. 
XXXX XXXX XXXX Balance : {$2900.00}
Product: Debt collection

I have disputed this with XXXX and XXXX  to this day, they have not asked for the collection agency to submit a wet signature with my name on there stating that I owed this bill
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Checking or savings account

My mother has a revocable trust and the account is in the name of this family trust. The terms of the trust states that if the trustee ( my mother ) is financially incapacitated ( she is XXXX and has XXXX ) and XXXX doctors sign letters stating this, the trustee will change to the successor trustee ( me ). Capital One Bank refuses to make this change even though I provided a copy of the trust and the letters from the doctors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A document titled " Equifax Credit File '' I received in XX/XX/XXXX from Equifax in response to my request for my file disclosure contained two tradelines that contained information that was related to the same information that Equifax had agreed to delete from my file. I brought this to the attention of Equifax within 30 days of receiving the document ( letter attached ). I never received a response. I requested another file disclosure in XX/XX/XXXX and finally received a document titled " Equifax Credit FIle '' dated XX/XX/XXXX. It still contained the same two tradelines that should have been deleted from my file. The attached letter is being submitted again to remind Equifax of its duty to remove information related to a tradeline it had agreed to delete. The attached dispute letter is being submitted again via this complaint.
Product: Student loan

In XX/XX/2023 Mohela encouraged me to recertify in order to prepare for loan payments restarting in XXXX. They did not inform me that I was not required to recertify. When I emailed them to ask why they did not post this information on their website and encouraged me to recertify when it was not required, they did not respond. Now my payment is much higher.
Product: Money transfer, virtual currency, or money service

X I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries XXXX XXXX XXXX ( Bank ) XX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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 Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I just got out of XXXX XXXX  from doing over XXXX years so I shouldnt even have a inquiry