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

XX/XX/XXXX XXXX XXXX XXXX started reporting on my Experian credit profile. I have never received a letter or originating documents with any viable evidence bearing my signature. 
Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Reresulted in the deletion of the account for XXXX XXXX XXXX On XX/XX/XXXX XXXX soft inquiries from XXXX XXXX XXXX were deleted from my credit profile In XX/XX/XXXX I received an alert via Experian that my account has been flagged with a collections account listed for {$4100.00} from XXXX XXXX XXXX XXXX I was not notified nor did I receive a letter in the mail from Experian or XXXX XXXX about the reinsertion of the alleged debt. I have sent numerous debt verification letters via certified mail to Experian on XX/XX/XXXX and XX/XX/XXXX and have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 Ttansfer App ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Mortgage

I have me the requirements of the Homeowners Protection Act and my current LTV of my house is less than 78 %. I have informed the Mortgage holding company ( Cardinal Financial Company Limited Liability Company ) of this fact and the code requiring them to drop the PMI and they have denied my repeated request.
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They have told me that I must pay for an appraisal before they will drop the PMI. I have informed them that I am not required to submit a new appraisal based on the same section the code. It is listed under 12 US code section 49.
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I need help in getting this situation resolved.
Product: Debt collection

I went through a lawyer 's office in XXXX, Indiana for a debt from Citibank that is being handled by Calvary LLC but, with a law firm XXXX and XXXX. I made a couple of settlements, I tried to reach the company by phone and got no answer. I was making payments in fact, this year I have given their law firm a total of {$2400.00} this year close to that amount last year. When I got a balance from my law firm the balance was over {$6300.00} ; However, the balance was {$4800.00} ; with the money that I am paying, I believe I am almost finished paying the debt off. The law firm hasn't accounted for the monies that I have already payed and my attorney has withdrawn from the case and now I have to find a new attorney or represent myself. When I read the reviews on XXXX and XXXX, there were other defendants who had the same problem with this law firm acting as a debt collector.. I believe their tactics go against the FDCPA. What they want to do is garnish my wages.
Product: Credit reporting

Credit institutions reporting incorrect and inaccurate balance information regarding an auto loan listed as mortgage from XXXX XXXX XXXX as {$13000.00} whereas it is {$1500.00}. This was settled by XXXX/XXXX/2016 as shown by attached documents furnished to me by XXXX themselves. I have equally asked XXXX and all the XXXX credit reporting institutions to correct the record in vain resulting into me having to return a leased car as dealer failed to secure a financier due to the inaccurate reporting. Likewise I can not secure funding of any amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything on this company and don't have any signed agreement. I am unfamiliar to this company. I already sent a request to the bureaus and to the company to have this investigated with the proof of documentation but never received any response.
Product: Debt collection

This is a complaint from XXXX XXXX ( consumer ) against Great Lakes for XXXX XXXX failure to provide requested information for the debt. On XXXX XXXX, XXXX, consumer ( through legal counsel ) responded with a written request for documentation, as this debt was included in a consolidation by XXXX. 

It has been nearly a month and a half since this request, and we have received no response. In addition, Great Lakes has began attempting to collect this debt via a third party debt collector since the date of the letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Mortgage

I received an email on XXXX stating my mortgage payment was due. I never received a bill as I have for many years now. I called and it turns out when they asked me to go paperless LIKE ALL MY UTILITIES, PHONE, CREDIT CARDS, ETC. I thought I would receive any email with the bill. Wells Fargo said that it was my job to go online to their website and see my bill. This was not my understanding when I signed up per their request. I thought they would do what all other companies do. They told me I owe late charges. I spoke to four individuals supposedly going up the chain and all of them told me they would not waive the fee because they waved one ( IN ALL THE YEARS I HAVE BEEN WITH THEM AROUND 15 YEARS ) in XXXX. They waived it because the payment I sent in was a day late. I MAILED IT A WEEK EARLY AS I DO WITH ALL MY BILLS INCLUDING ALL THE ONES, I SEND WELLS FARGO. When I called them to ask for proof of the late payment as NO OTHER PAYMENT, I MAILED WAS LATE THEY TOLD ME THEY COULD NOT SUPPLY PROOF-I HAD TO TAKE THIER WORD FOR IT. 

This time since I DID NOT RECIEVE A BILL AND CAN'T RECALL THE NEED TO GO ONLINE THOUGH I WAS NOT AWARE I NEEDED TOO IT WAS CLEARLY ALSO THIER FAULT. I have gone back to paper affective immediately, but this really bothers me. They are trying to collect more money most likely due to my low loan rate and great payment history. 

By the way I immediately went into my checking account and paid it will on the line with the last supervisor. I gave her ( XXXX is her name ) the reference number as well. 

Please help me get this fee waived as one would expect to receive a bill like all others service companies provide. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. I have never had a negative account with XXXX XXXX XXXX. All five negative accounts being reported against me are inaccurate, unverifiable and violates the FCRA.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. TransUnion XXXX, XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance.

More case law of non-compliance, XXXX XXXX Trans Union XXXX, XXXX. XXXX. 

I remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXXXXXX XXXX XXXXXXXX XXXX ( now XXXX ), No. XXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.
Product: Mortgage

Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX
Product: Payday loan, title loan, or personal loan

A loan was issued on XX/XX/2020 by an unknown person in my name through Speedy Cash for XXXX.
Product: Credit card

I am writing to complain about the closure of my Lowe 's credit card on XXXX XX/XX/2023. I received a notification from XXXX XXXX and XXXX that my Lowes credit card was closed. When I logged into my online account my credit limit had been reduced from {$4000.00} to {$1400.00} and then closed. I was not provided with any notice or explanation for this reduction. 
Lowes is in violation of 12 CFR Part 1002.9 ( Regulation B ), Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation. 
I am very disappointed with the way that Lowe 's has handled this situation. I have been a loyal customer and I have made my payments on time. I am concerned that this reduction in my credit limit will have a negative impact on my credit score. I am also concerned that it will make it difficult for me to make purchases at Lowe 's in the future. I am requesting that Lowe 's immediately restore my credit limit to its original amount and reopen account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EQUIFAX. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i.

Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( block , inc ) due to an adequate customer and unfair customer practices, which violate the Customer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with XXXX, XXXX and Equifax in XX/XX/XXXX. All XXXX accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from XXXX stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late again.I called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. 
I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that XXXX reports on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from XXXX and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. 

Numerous calls, reports and FTC report and letters to XXXX to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. 

Equifax is reporting inaccurate information and only one account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from Equifax online and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over one week to receive each report via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Hard inquiry on Equifax from a company called XXXX. Have not applied for any type of credit for over a year and a half. Did not authorize nor consent to said inquiries of any type. Equifax does not even have correct data of my credit history! 
Have tried to contact them with zero return emails or phone calls. 
Equifax is a joke for a credit reporting agency and should be put out of Business.

Tired of the misreporting and lack of caring by said agency!

Reporting loans never had, balances never owed. 
Tell XXXX they have to stop random inquiries to this consumer before I go postal on them! 
XXXX has no right to my reports without consent and will be sued for harming and continuing to harm my credit with XXXX inquiries! No I am not Politically Correct. Plus want to no why these agencies have access to my Social Security Number in the First Place as SSN 's are not to be used for Identification except for the Federal Government?
Product: Credit card or prepaid card

CapitalOne continues to charge excessive annual fees and interest for cards that I rarely use. Years ago, phone customer service agents had authority to remove those fees in situations like mine ; i..e, not using the card regularly and gaining the benefit of " cash back '' on purchases, but now say they are no longer able to do that. 

This card is rarely used, yet CapitalOne has charged an annual fee, late fee, and interest.