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

Upon reviewing a copy of my credit report I noticed there were a few inquiries that were deemed inaccurate. To my knowledge they are fraudulent and were not authorized by me. I am writing to dispute these inaccurate and fraudulent inquiries because these they happened without my consent. I have unfortunately become a victim of Identity Theft.

These inquiries that were reported to my credit report calls for action of deletion because these inquiries are inaccurate and were not made by me on my Transunion credit report. This is in major violation of my Fair Credit Reporting Act ( FCRA ).

Please remove the inquiries listed below because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure. Please review and delete the inquiries and investigate them thoroughly and as a result, remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXX o Reporting a balance of {$45000.00} and charge-off status. 
XXXX I have never opened this loan. This is a fraudulent account. 
XXXX XXXXXXXX continues after disputes and an FTC identity theft report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX o Collection Account # : XXXX XXXX A fraudulent collection placed on my report after I refused to sign their contract. 
XXXX My spouse was the only party to the agreement, yet I was fraudulently added. 
XXXX This is a violation of consent under FCRA XXXX and XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX Closed account showing XXXX late on XXXX in XX/XX/XXXX. 
o It is illegal to report new lates on closed/paid accounts. 

You are in violation of multiple federal laws and consumer protections : FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX Failure to block identity theft-related info after proper notice FCRA XXXX and XXXX Accessing and reporting my information without consent FCRA XXXX and XXXX Willful and negligent noncompliance XXXX XXXX XXXX XXXX using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( XXXX XX/XX/XXXX ) XXXX XXXX Credit Report ( XX/XX/XXXX )
Product: Mortgage

We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.
Product: Mortgage

Our mortgage was transferred from XXXX to Shellpoint New Rez. When they did this, I set up a one time automatic payment thru my bank to NewRez to cover the 1st pmt. I paid {$1800.00} on XX/XX/19, which is the full mortgage payment for XX/XX/2019. NewRez then did an ACH for {$1800.00} on XX/XX/19, and took another ACH for {$1800.00} on XX/XX/19. I have called for a refund of the two erroneous payments. At first they told me that I must prove that they took the XX/XX/19 pmt, which I did. I have since spoken with at least 7 different reps at their call line, who each tell me that they are escalating. Each time they do this, they tell me that it will be 2-3 days, 24-48 hours, 4-5 days ... for us to see the refund in our bank account. I completed the " Contact Us '' on their website 3 times, I faxed them with confirmation, and I also wrote a snail mail letter as they state that we have rights under the Federal Gov't. All of these attempts have provided NO response from this company. They destroyed our budget and put us in a negative with other debtors when they pulled a total of {$3600.00} that they were not entitled to. On top of this, the statement then showed that the next pmt was due XX/XX/2019, which is also incorrect - based upon these payments no pmt was due until XX/XX/2019. They've now moved the {$3600.00} to " Unapplied Balance '' so it is not benefiting the interest on the mortgage either. I was told yesterday that this was escalated to this person 's supervisor who is the only one who will be able to find out why the escalations have not brought results. I was on the phone again today filing another complaint. I am now told that a XXXX XXXX will call me within 24-48 hours, so again we wait. Since it is XX/XX/2019 and payment is due no later than the 15th ( and I never wait this long ), they offered to move the unapplied balance to the loan. I don't trust them to do this, so filed the complaint once again today requesting the refund. I gave them the bank and routing number in one of the previous calls and was told we would see the funds back in our account within 24-48 hours. I have removed the banking information on our account with them so they can not do this again, and have set up automatic payments through our bank, but this does not resolve the situation that we have with them now.
Product: Credit card or prepaid card

I was called this morning, and an IVR told me that they've tried to reach me several times about a " critical issue '' pertaining to the interest rate on my credit card. I pressed 1 to find out what this was all about, because this was the first I was hearing of it. I was then transferred to an individual who started speaking in such a hushed monotone ( and quiet volume ) that I had to ask him to repeat himself. He then did, at which point he said this was a line to call about lowering my interest rate on my Visa credit card. I said no, I'm not interested, but I was wondering if there was an issue that needed to be amended because the IVR made it sound like I was not attending to an issue and that I was going to be charged with some sort of penalty. Before I could finish speaking though, the representative hung up on me! I was being courteous as well, so now I'm very confused as to whether or not I'm still in the doghouse and why the representative was so rude in hanging up one me.
Product: Consumer Loan

Went to XXXX XXXX, XXXX, AL on XXXX XXXX, XXXX to try to purchase a car. The salesman conducted a payoff verification via phone, and a Santander Consumer USA representative divulged other account information to the salesman in addition to the payoff. Consumer contacted Santander Consumer USA and filed a complaint, immediately. Today, XXXX XXXX, XXXX, a representative from the Santander 's president 's office contacted me to state that there is no record of anyone from the office verifying a payoff on my account -- clearly, a bald-faced lie. Consumer witnessed a telephone call of the salesman that lasted 10 minutes, and the salesman revealed the information that was written down on a piece of paper. Where did this information come from? Santander is trying to " wash its hands '' of this privacy violation. 
Santander is claiming no such transaction took place, and it has completed its investigation. No action will take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 and disputes handled through CFPB XXXX XXXX  agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result XXXX has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time Equifax continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from XXXX on several occasions. Equifax explains that upon disputing this information the update info based on what XXXX gives them. However XXXX states they have not updated any information since providing the letter to delete trade line
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, XXXX  WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost mz XXXX XXXX  license, access to XXXX XXXX XXXX   domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX  name and various things were done in XXXX 
XXXX  XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in XXXX but for some reason still register in XXXX
Product: Debt collection

In XXXX  I was involved in a horrible accident, whereas I was not able to work for over XXXX years. My vehicle was repossessed, but my insurance covered the entire balance. I request that Mercedes Benz Financial removed the account placed on my credit bureaus to be removed permanently based upon the fact that the account has timed out as far as my rights under the Fair Credit Reporting Act.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

MONTEREY COL ( Original Creditor : XXXX CAREER STEP ) account the position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX account number : XXXX
Product: Credit card

I purchased over XXXX of costume jewelry from XXXX using the Gap Barclay card. They had sent me an email initially to get me to shop w/them for XXXX off the order. The promo code did not work, I emailed them and they refunded the XXXX honoring the promo code so the total then was XXXX ... .then the jewelry came and half of it was not what the listings had shown ... ..I did not like it and they said no we will not provide a shipping label we dont do refunds, sorry about our listing, but no refund. Contacted Barclay to do a dispute, they put it in over the phone and yesterday they called and said well you got a XXXX refund from them ... .i explained what that was from which had nothing to do with the dispute and the Barclay Manager informed me that the dispute was starting from XX/XX/XXXX and it would be another 45 days and they are waiting on the XXXX  to decide what will take place and that after all they had given me XXXX ... ..no matter what I reexplained over and over again she just kept making sound like it was up to the XXXX  ( which has already made it clear that they were not refunding and dont want the jewelry back, which is why I even filed a dispute in the first place! ) to get back with them and it would be another 45 days. I filed the dispute on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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

XXXX XXXX XXXX I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Payday loan, title loan, or personal loan

I began borrowing funds via payday loans from Flurish dba Lendup in XX/XX/XXXX. I made my payments on time and if I needed an extension I would request them. I accrued ladder points that would position me to borrow more funds at a lower APR. I began borrowing when LendUp was in its beginning stages and the ladder points system in Louisiana was incomplete. I borrowed so much that I made it to top tier really quickly and was not receiving the proper discounts/APR rates. Over time, I kept track of my payments and the high interest I was being charged despite what the company advertised and what I was told. I would file formal complaints and I would receive refunds. In XXXX -XX/XX/XXXX, I experienced financial hardship due to the government shut down. I reached out to LendUp to request a payment plan. I also inquired about the wrong interest rates and stated that I was being charged the wrong amount considering my ladder points. This is not the first time this happened. I spoke with a male rep who called regarding my overdue payment and he agreed to waive the balance if I made two payments. This is why I refuse to remit the payment they are stating I owe. I do not owe them anything. My account has been paid in full.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX  Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card number is XXXX.
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 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 and financial compensation.
Product: Payday loan, title loan, or personal loan

RE : Title Max Acct # XXXX On or about XX/XX/2019 my pension check was with drawn from my XXXX XXXX XXXX bank account leaving unable to make my monthly payment to my creditors including Title Max. I filed a claim with CFPB under XXXX. Here I am merely reiterating my fax/emails by request assistance germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$3000.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation.Please see the investigative authorities below and attached supporting document. 

***Federal Trade Commission Affidavit # XXXX ***XXXX PD , Economic Crimes Unit , case # XXXX ***Consumer Financial Protection Bureau case XXXX XXXX