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

I am inquiring about the recent complaint I submitted on XXXX Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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  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: Debt collection

A XXXX XXXX  credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. 

- Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even XXXX - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX XXXX I went online to get my free annual credit report from the three major credit reporting agencies. I got it from two but NOT from Experian. I got the message that they can not provide the report. 
I particularly intended to get the report from Experian because XXXX XXXX from XXXX, MO send me a letter dated XX/XX/ denying a loan and referring to the Experian credit report. 

I have NOT applied for a loan at all and particularly not with this company or bank. 

The specifics on the Bank letter were " your credit Score XXXX Source Experian and Model : Experian/FAIR, XXXX ( XXXX. XXXX ) date : XXXX XXXX XXXX I need this to be investigated and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : 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
Product: Mortgage

I am writing to express my extreme dissatisfaction with the handling of my recent transactions with NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING. On XX/XX/XXXX, I made a principal payment of {$160000.00} and requested a recast. However, I later decided to cancel the recast request and requested a refund on XX/XX/XXXX. Your representative assured me that the cancellation was processed, and the refund would be issued promptly. 

Since then, I have been forced to contact customer service daily, only to be met with false promises, misleading information, and complete incompetence. On XX/XX/XXXX, I was told the refund would be expedited, yet no funds have been posted. On XX/XX/XXXX, I received the same excusethat the size of the refund was causing delays. This excuse is completely unacceptable. 

After demanding verification of where the funds were sent, I discovered that my {$160000.00} was mistakenly sent to the wrong account. This is not just a simple mistake ; it is a serious error that reflects gross negligence on your part. The level of service I have received throughout this process has been appalling. 

Moreover, XXXX XXXX, a supervisor, promised me a return call on XX/XX/XXXX, which I have yet to receive. This lack of professionalism is beyond frustrating. I urge you to immediately address this issue. I have been treated with complete disregard, and my {$160000.00} is at risk due to your companys errors. Please take swift action to resolve this matter. At this point, I believe that NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING is engaging in fraudulent activity by mishandling these funds. I demand that this issue be escalated and resolved without further delay. Thank you for your immediate attention to this matter. I expect a prompt response and the swift return of my funds
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Product: Credit reporting

I am disturbed, this is very appalling, something that never went through the system, and that you continue to list the Current Disposition Dismissed/Closed CHXXXX as confirmed within my credit file.This is very damaging to my XXXX grandkids, my family, and is very detrimental. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The other XXXX agencies have already deleted this data when 7 years was done. I suffered enough because I never finished this proceeding out filing chapter XXXX. Also there is no signatures. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TransUnion CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against Cash App ( Block , Inc ) fue to inadequate customer service and unfair practices, which violate consumer financial protection ( 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 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: Debt collection

Continued Contact after verbal confirmation of wrong number. Misrepresentation of action taken to " close the account. Rude and unprofessional conduct during phone call in the effort to collect a debt. Failure to provide verbal notice of attempt to collect a debt during both inbound and outbound communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of COVID 19 during the months of XXXX, XXXX, XXXX which had my XXXX XXXX crippled with little to no work. Ive called and discussed the matter with them to have the Late payments and no info remarks removed and to be put back to on time never late status. They told me that I will have to dispute it in writing. Ive also paid the balance completely off. I really need this negative and no info remark removed. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I completed a payment with XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX, located in XXXX XXXX, CA, which manages an app that provides debt relief services. I paid XXXX, {$190.00} to close a collection account to COLLECTION BUREAU OF AMERICA with the original amount of {$300.00}. This account was supposed to be a PAY TO DELETE agreement which I made with debt specialist, XXXX. 

Let me make this clear, this was never my account in the first place, but in order to make a vehicle purchase, it was clear to me that I needed to pay this balance off since I was never able to get it removed. XXXX received the payment from me on XX/XX/2022 and never paid the collection company off. This is also reflecting another account for another account I paid XXXX to remedy also, and have them delete from my credit reports, which XXXX also failed to pay and they collected my funds without ever paying off the balance as well. 

COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX : XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ) XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 
ACCOUNT BALANCE : {$300.00} NEGOTIATED AMOUNT WITH XXXX : {$190.00} ( one time payment ) ADDITIONAL NOTES : Account was agreed to be paid for at negotiated amount with a pay to delete I wish for XXXX to pay the account off as agreed to, I wish for COLLECTION BUREAU OF AMERICA to delete this account as it was agreed to by XXXX in our PAY TO DELETE agreement, and I wish for any additional fines as regarded in Federal Consumer Laws, Colorado State Laws, and California State Laws to be applied to XXXX and for me to obtain those funds for violations which XXXX  made against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, since XXXX with Transunion I have been asking them to place back my XXXX XXXX XXXX account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX  and XXXX. I have reached out directly to Transunion via phone, and even mailed in my payment history to them directly from XXXX  from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted XXXX XXXX XXXX, they keep telling me the issue lies with Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. XXXX XXXX XXXX doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the XXXX. 

In spite of this Experian refuses to remove this false information from my credit report or require XXXX XXXX XXXX to validate this debt by producing any validation of the debt or even the date of the last payment.
Product: Credit reporting or other personal consumer reports

Please See Attached Documents for additional information that was requested by the Credit

Reporting Agency. Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.
Product: Credit reporting or other personal consumer reports

American Express keeps reporting a closed account as a charge-off! When it was paid as agreed in XXXX, I have reported this to them previously on XXXX but they continue report inaccurate information resulting in loss of opportunities for a mortgage I applied for and was u successful
Product: Vehicle loan or lease

I purchased a used car with XXXX sales in XXXX making a {$240.00} biweekly payments that eventually increased over the years to a higher payment around {$290.00} biweekly.Over the course of my term my car would be XXXX multiple times throughout the years even when paid on time with extra fees .They would never hold up to the obligation of my warranty an fixing the issues I was having with the vehicle I was told for years Im paying for Gap an collateral protection an never received any information or product.I started requesting more information about my term, contract and balance an was never answered they would only tell me about new fees I accumulated an had to pay. There would be times I paid between $ XXXX XXXX week to only be disable a week or days later .Come XXXX Im still making payments even though I communicated with them that I have been making overpayments for a vehicle thats been having transmission problems the same year i purchased the car I stated to numerous representatives that I had fulfilled my contract an Im requesting my title an it lead to them repossession my vehicle an learning that a new company had our contracts but not our title..After my repossession I had to file bankruptcy on a car I was sure I was caught up on an honestly paid off to only find out a new company was dealing with our terms an loans an the information I received from westlake was false as if my term was increased an I owed way more for a car that wasnt worth it since I was at the end of my contract an requesting my title. I voiced to them that the amount their trying to make me pay wasnt correct an it wasnt reflecting none of my past payments an that they illegally repossessed my vehicle forcing me to file bankruptcy. XXXX sales put me in extreme debt, withheld my title an forced me into over paying for a vehicle.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry and have had no communication with this lender on the specified date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX  XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX.
Product: Credit card

I have an Amex Gold Credit Card ends with XXXX. My name is XXXX XXXX. 

The Amex Gold Credit Card says every month I will get XXXX as statement credit if I order in XXXX XXXX XXXX XXXXXXXX I did it three times at the end of the month ( See attached email ) but Amex Gold processed the transaction the next day then won't give me {$10.00} statement credit. 

I chatted with Amex Customer Service and they refused to give me {$10.00} statement credit for those three transactions. I am very sad. I want my statement credits back and I want compensation!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I took my son to the AutoNation XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter from his bank, XXXX XXXX. When he presented the approval to the salesman, he came back and said that the finance XXXX would not accept the pre-approval letter unless my son had a " back up signature ''. XXXX did I know, they were hinting that I needed to be a co-signer, When I gave the salesman my ID, He came back and said my son was approved for {$38000.00} plus fees for the XXXX and he needed my signature. I immediately asked to see the paperwork and discovered that the finance department had ran my credit without my permission, and wanted to use me as a co-signer. I was furious. I told my son we are not going to those papers because they ran his credit without permission as well, changed the interest rate from 7.9 % to % 15, and raised his payments to {$900.00} a month, from {$700.00}. This did not make sense because his preapproval letter was good for {$67000.00}. We then realized they were trying to scam us in order to use their own banks to finance the vehicle. That's fraud. So, we both backed up from the table and left. Now there's XXXX hard inquiries on my credit report!
Product: Vehicle loan or lease

In XXXX of 2010 I deferred one of my monthly auto loan payments with Wells Fargo Dealer Services. The paperwork got mixed up. I made SEVERAL attempts, by phone and by letters, to resolve the situation. No resolution was concluded. 

Now, the auto loan is paid off, except for the erroneous late payments. I have not receive the title to my auto, and have no idea how at this point. 

Correspondence is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TranUnion my FTC Identity Theft report showing that inquiries that were placed on my credit file was not authorized by me. TransUnion removed most but failed to remove the following : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I sent in report, spoke to a representative via Phone Call to TransUnion who was unable to help me remove these item off of my credit report, even though I sent via certified mail all supporting documents needed. 

Also I'am requesting the removal of the following Collection off of my credit file due to Identity Theft : XXXX XXXX  {$920.00} -- I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX XXXX {$910.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX {$200.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company