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

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX. Balance {$640.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX, Account info Account number XXXX Balance detail, Original balance, {$11000.00} XXXX XXXX XXXX  Account info, Account number, XXXX Balance {$840.00}, Balance updated, XX/XX/XXXX XXXX XXXX XXXX, Balance {$1100.00}, Balance updated, XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing XXXX  days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
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 and address fraud on their platform, leaving my account vulnerable, and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I financed a car through a bank but the car has engine issues so I tried to fix it with the dealer but he failed to. I have to take Them to court and I won the case. Since the bank was aware of the circumstances they assigned my account to a special team to follow up and take payments for the loan. I have been making the payments as planned. However, the communication with this department changed all of a sudden and I kept calling leaving voice messages to make the payment. The scenario went on and on for almost a year. I know I have the car and the loan is not complete. So I insisted on contacting them and spoke to various people at the bank until finally someone figured it out. As soon as they realized the car loan has not been paid they took the car without offering me ways to remedy the problem. I called them because I wanted to solve the issue and avoid this type of scenario. So I am with no car and it was not my fault. They want me to pay off the whole loan $ XXXX.
Product: Credit card or prepaid card

Today I used my citi double cash mastercard at XXXXXXXX gas station. The terminal offered to use XXXX points to save {$0.00} per gallon. I did the math wrong in my head, and opted in. I only saved {$7.00} since I got 14 gallons of gas. But the cash redemption value is {$12.00} at XXXX XXXX  per point. This will never be a good deal XXXX XXXX  stole {$5.00} from me. I called citi to complain but they said they cant undo it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the XXXX security breach, I set out to freeze my credit accounts. I have steadfastly been unable to do this with XXXX, either online or over the phone. Same with XXXX. I was able to successfully freeze my accounts with Transunion and XXXX. 

Furthermore, my only option for protecting my XXXX XXXX by freezing my credit involves paying the same companies money that lost my data in the first place. It 's a modern day " Say, that sure is a nice social security number you got there. Shame if something bad were to happen to it '' sort of shake-down.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action. 

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : Equifax ; Account Name : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it.
Product: Credit reporting or other personal consumer reports

My profile contains incorrect personal information. Kindly check all the documents that have my correct and accurate details.
Product: Mortgage

I have a mortgage on my home in XXXX XXXX  but split time between there and XXXX XXXX. LoanDepot made and services the mortgage. I have set up my account for paperless notifications and autopay. 

My monthly payments were {$3000.00} until, in XX/XX/2022, LoanDepot imposed an extra {$820.00} for force-placed insurance without notice to me. When I found out about this last week, they had already taken that extra amount from my bank account twice and they intend to do it again this month. 

When I inquired about the added charge, they requested my insurance renewal document, which I submitted promptly on XX/XX/XXXX. Now they say it Loan Depot will take another 10 days or more to return my money, which by then will have another {$820.00} added and that they will not pay interest on the balance of my funds they are holding. 

They also said they sent XXXX letters to my XXXX house notifying me that they had not received the insurance renewal document from XXXX. I did not receive any of those letters and as noted have set up all administration and communication to be online or by email. 

The fellow from the escrow department also said CFPB rules require them to send letters before imposing an insurance policy but forbid communication by email or phone. He was quite adamant about that restriction, which made no sense to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to comply with my Fair Credit Reporting Act ( FCRA ) XXXX request, which was submitted to them on XX/XX/year>. Experians lack of action constitutes a violation of their obligations under the FCRA, specifically FCRA 617, which addresses civil liability for negligent noncompliance. Details of the Complaint : Request Submitted : XX/XX/year> Nature of Request : I submitted a request under FCRA XXXX for the immediate blocking of certain fraudulent accounts, the removal of a fraudulent address, and the removal of fraudulent inquiries on my credit report as a result of identity theft. Noncompliance : Despite the requirement under FCRA 605B that XXXX act within XXXX ( XXXX ) business days, they have failed to take any action to block or remove the aforementioned fraudulent items from my credit report. Violation of FCRA 617 : Experians failure to comply with the requirements set forth in the FCRA is a clear instance of negligent noncompliance, as described in FCRA 617. This negligence has caused ongoing damage to my creditworthiness and financial reputation. Supporting Documentation : I have attached the following documents for your review : A copy of the original identity theft reports filed with the FTC. A copy of the original letter submitted to Experian on XX/XX/year>, outlining my FCRA XXXX request.
Product: Consumer Loan

I continue to be overcharged on my monthly payment by {$27.00}. Rep states they need the XXXX County Appraisal Districts Affidavit, which I have filled out and have had notarized, then mailed to them via certified mail four times since XXXX, 2016. 
Then, my next statement shows the {$27.00} overcharge again. I was told each previous time that the charge would be reversed and a credit to my account would appear. Never happens. I have spoken with multiple supervisors and have gotten nowhere. These people have no regard or respect for their customers time as I sit on hold over and over again, spending 30 minutes or more just to speak to one person, then get transferred multiple times, starting the process all over. Today, after 45 minutes just to get to a " supervisor '', this " supervisor '' hung up on me. This is the WORST company I have ever dealt with and I will never buy or lease another car from them. Very unprofessional and the worst customer service ever. If I have a signed contract, they can not continually overcharge my account.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : - XXXX & XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$67.00} XXXX XXXX XXXX XXXX : {$53.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX my primary checking and savings accounts were put on hold by XXXX XXXX  due to a

judgement secured by LVNV using false information and documenation. The RETURN OF SERVICE document submitted on behalf of Plaintiff LVNV Funding LCC by XXXX XXXX, represenative of XXXX XXXX XXXX. XXXX. provides statements and information and is untrue and incorrect. Specifically I, XXXX XXXX XXXX, was not nor have ever been served or accepted service for documents for this case or any other case. I declare under penalty of perjury under the laws of the United States of America that I did not receive service, was not aware of a court date, and have had any contact with XXXX XXXX on XX/XX/XXXX or any other date. 

Now with my accounts on hold I am 1 ) unable to pay my bills including rent, utilities, insurance, and credit cards -- which many of which are set up via automatic payments which are being declined ( which will ultimately have significant impacts from a credit was well as late/insufficient funds fees ) 2 ) I am in the process of moving and unable to secure my new home or cover any of the necessary moving expenses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach on XXXX and XXXX I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** XXXX XXXX XXXX {$400.00} **Personal Information : ** - Name : XXXX XXXX - Addresses : XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

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

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Debt collection

LVNV Funding - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.
Product: Credit card or prepaid card

Sears/Citibank was allowed to run my credit report based off false pretenses. The company and its representatives advised me that I would be able to make the purchase immediately and the card information would populate immediately in my sears cart online. After maybe 5 different calls to their different departments I was advised to drive almost a hour away to make the purchase via phone in store to confirm with my identification. Once I arrived I was told that XXXX XXXX and Sears are not connected in anyway. After seven or more additional calls to Sears on the long drive back home. I received the same run around with each representative blaming other departments for the misinformation. Finally on Sunday XX/XX/2021 I was finally told the truth that the Sears card that was advertised on their site in the check out cart as being " Apply and Use '' on their website was found to be an false advertisement. they told me the card would arrive via mail within 10 - 14 days. This was for a refrigerator my family desperately needed at the time. I immediately told them to cancel this account that was promoted falsely. They told me they would like to apologize for the mix up and incorrect information I was given ( also in the same call told me that it usually works ). I explained to them that I allowed my account to be accessed based off what I was told online and via phone by their representatives. And although credit is an privilege it is also something each of us have to protect. My request that this inquiry be removed from my account based on it being an inquiry acquired off untruth and false advertisement was declined by Sears/CNBA. After two complaints with XXXX the inquiry still remains. These companies cant give false information on the products or reasoning they are requesting a persons information for an inquiry. Its not right and its fraud. Thank you for your time and help. Please Help
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2014 - Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX  - XX/XX/XXXX I have attached a letter from XXXX  XXXX XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.
Product: Vehicle loan or lease

Please refer to the enclosed XX/XX/year> .letter of complaint and the XX/XX/year> receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.