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

In accordance with 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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

This complaint concerns a high-Interest loan company. I acquired a secured loan with XXXX XXXX XXXX and paid the loan off early. My first loan with XXXX XXXX was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, the registered agent of XXXX XXXX XXXX XXXX, is violating consumer Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference is showing a credit card with a balance of {$13000.00}. 

This information is inconsistent across ALL XXXX credit bureaus, Experian, XXXX, and XXXX. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History Furethermore a charge off may not report a past due balance under fcra laws. 

There is more than sufficient evidence on my report of negligence to the Consumer credit laws. Furthermore I have already disputed this account which XXXXXXXX XXXX has verified as reporting accurately. Let it be known you are now WILLFULLY violating consumer credit laws, which carries a greater penalty under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 the day this fraudulent inquiry appeared on my credit report I have been trying to have it removed. With nothing but obstacles from Trans union. I previously submitted a complaint here and there response was they sent me an affidavit to fill out and return. I filled it out had it notarized returned it and they send me a letter stating that it didn't appear I sent it. This is just unbelievable, after I've sent them so many documents and letters. XXXX has also responded and said for 4 times they have sent request to Trans union to have this removed. It's very sad the turmoil they create and hardship they instill on the victim. PLEASE PLEASE HELP ME GET THIS OFF MY CREDIT REPORT!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Casg App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX/XXXX account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. 

Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. 

Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. 

I am asking to delete derogatory information from all Credit reports ASAP. 
Thank you for understanding and consideration of the seriousness of the situation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.
Product: Credit reporting or other personal consumer reports

In accordance with 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$16000.00} INQUIRIES : XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

On XX/XX/2021 I sent sent a check via XXXX XXXX that would have paid off my loan with my finance company. The check was received on XX/XX/2021 by the loan company ( delivery confirmation receipt available ). Although the check had been received there was no activity on my account to show receipt or processing of payment, multiple calls to customer service could not provide any verification of the check. In an abundance of caution, the check was cancelled and a replacement check sent via XXXX XXXX to replace the initial check that was cancelled. The replacement check was received by the finance company on XX/XX/2021, also verifiable via XXXX XXXX  tracking, and again there is activity to indicate processing of the payment. Additional calls to customer service yields no assistance or updates and I am only told the customer service agent would have to email another department and I am told to call be in a few days time. That has ben the answer given every time I seek and update on my payment status.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXX with XXXX XXXX. I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.
Product: Checking or savings account

I am a customer of Bank of America for XXXX years without any overdraft nor returned checks, I went to teller window to deposit XXXX checks and asked the teller to let me know if there is any hold on check please cancel the deposit so I can go ahead and cash the checks and deposit cash and teller said no and even on the receipt didn't mention anything about hold or notice, by the end of the day and when I couldn't go back to cancel my deposit i received an email that they are holding my deposit for XXXX business days. when I called they said system decided, I called the branch to get the deposit canceled and they said the XXXX is on the call and even after i provided my phone number and call was disconnected nobody called me, it is illegal to not to notify customers about the hold by the time of deposit and after business hours to disable any action and no one bothered to fix this problem.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit file. Ive also noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ).
Product: Credit reporting or other personal consumer reports

Seeing an unauthorized inquiry on my credit report this morning left me confused and frustrated, as I have no explanation for it. I check my report regularly, but this time, there were errors that shouldnt be there. I refreshed my browser several times to rule out a glitch, but the unauthorized inquiry remains. I need this resolved immediately by carefully reviewing the documents Ive submitted, so I dont have to keep worrying about this issue.
Product: Credit reporting or other personal consumer reports

Early Warning Services is and has hosted incomplete, inaccurate information on the consumer report in which has impeded my ability to obtain remedies and checking/savings account where needed.

I have documentation from Early Warning Services showing the issues and doing what I believe they deem as the correct remedy for some of the incomplete, inaccurate information but I don't see it as so simple. I need to be compensated for the damages from the violations Early Warning Services has furnished information on my consumer report that has caused insurmountable damages to me and if not remedied here then I will be seeking damages in state and or federal court. 

DOCUMENTATION INCLUDED : AFFIDAVIT EXHIBITS ( EARLY WARNING PROPOSED REMEDY FOR DELETION OF INACCURATE ACCOUNTS )
Product: Debt collection

On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

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

The option I need are not here, Im trying to inquire about product I purchased from Acima I feel the charges and interest were to high, my lease I had a few times were paid on time but the fees and interest I feel were part of a predatory lending practice, Thanks XXXX XXXX.
Product: Mortgage

There are 3 companies involved : American Financial Network ( AFN ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). 

AFN agreed to complete a Streamline VA Refinance for my family, as a free service. 

The final paperwork had our new loan set at approximately $ XXXX higher than what we were told our old loan closed out at. When we inquired about this we were told that the $ XXXX was there to cover our new escrow account, and that the reimbursement from our old escrow would be used to pay the new loan back down to where it should be. 

We received our reimbursement from our old escrow and insurance, and now are being told to deposit that money into our new escrow account, because it only contains around {$800.00} and is short. 

When I ask again why the new loan is sitting at over $ XXXX higher than our previous loan, we get no answers. 

Now our yearly taxes are coming up, there 's not enough money in our escrow to cover the amount, and our loan is sitting at a higher amount than it should be while gathering extra interest that should also not be accruing. 

Attached is an email from XXXX with AFN stating that our increase in our loan is to cover our new Escrow account. 

My name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, OK XXXX AFN Branch Manager : XXXX XXXX Branch Manager | XXXX, OK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ok. XXXX T : XXXX XXXXXXXXXXXX -- XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX was our closer - XXXX -- XXXX XXXX -- XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I received a denial letter for my student loan misconduct form. I was very disheartened to see the denial as I have a pending Borrowers Defense to Repayment Application submitted to the Department of Education for my federal student loans and am a post class member of the XXXX XXXX XXXX lawsuit. Not only did I submit my application to Navient with added proof of the fraudulent for profit school I was recruited to but I also explained over and over again how this loan as well as attending a fraud for profit scam school detrimentally impacted my life as well as my children 's lives. I called and spoke with a Navient employee to further Inquire why exactly my application was denied and was met with the response " I don't know. '' I asked this gentleman how can you not know why my application for discharge was not accepted? I was again met with I don't know? You must not have met the criteria. I then asked, what that criteria consisted of considering I submitted additional evidence with my application that indicated the fraud committed by XXXX XXXX XXXX as well as my XXXX application number and also told this gentleman how is this possible as this school is also represented on a list of 100 schools known to be a for profit scam school. He said the best he could do was tell me to reapply again. This entire experience has been traumatic enough for the past 15 years. Apply again to be denied again with no rhyme or reason? No specific details on why I was denied? Have to answer all the same questions again? I asked for a discharge for the remaining loan amount and refund for all interest, late fees, and payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXXXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX. I submitted all require documents and company still refuse to place block. 
I receive a letter on XX/XX/2024 stating the was not able to verify the victim determination letter, the non-profit I work with stated no one has reached out to the to verify. 
I've called several time and I'm not able to speak to the representative assigned to my case.
Product: Credit reporting or other personal consumer reports

I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXXXXXX XXXX  opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX  opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX XXXX balance {$2100.00}. XXXX XXXXXXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX