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

My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of. 
Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and XXXX, XXXX, and Experian, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   I requested to wire money from my  Citi checking account to my   XXXX   XXXX   account. On    XXXX  I received a message to call  Citi to confirm the wire. Citi refused to wire out the mo ney, even though beneficiary is myself. They do not want me to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Upon reviewing my Equifax credit report, I have identified several significant inaccuracies that require immediate attention. The discrepancies are as follows : XXXX. XXXX XXXX : ** The account with the account number [ XXXX ] is listed as " Derogatory '' on [ XX/XX/XXXX ], despite the fact that it has been correctly reported as " Paid '' and " Closed '' by other credit bureaus. This inconsistency is misleading and negatively impacts my creditworthiness. 

XXXX. **Date of Last Activity : ** The reported " Date of Last Activity '' for the same account is listed as [ XX/XX/XXXX ], which contradicts the accurate reporting provided by other bureaus. 

XXXX. **Payment History : ** The payment history for this account is not accurately reflected. While other bureaus report " Paid, '' Equifax continues to list it as " Derogatory. '' 4. **Credit Limit : ** Equifax states that the credit limit for this account is {$0.00}, which is inconsistent with the accurate reporting provided by other credit bureaus. 

XXXX. **Creditor Remarks : ** Equifax includes remarks indicating that the account was " Canceled by credit grantor '' and the " Amount in H/C column is credit limit, '' which are not present in the reports provided by other bureaus. 

XXXX. **Account Type : ** Equifax classifies the account as belonging to " National Credit Card Companies, '' which differs from the accurate classification provided by other credit bureaus. 
7. **Payment Frequency : ** Equifax does not provide information regarding the payment frequency for this account, while other bureaus accurately report it as a " Secured credit card. '' 8. **Account Rating : ** The account is labeled as " Derogatory '' by Equifax XXXX which contradicts the accurate reporting provided by other bureaus. 

As per 15 USC 1681i, consumers are entitled to accurate and fair credit reporting. These discrepancies are causing undue harm to my credit profile, and I kindly request Equifax 's immediate attention to rectify these issues. 

I appreciate your prompt action in accordance with federal regulations and look forward to a swift resolution. If additional information is required, please do not hesitate to contact me. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and XXXX  furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court anXXXX XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Student loan

Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness
Product: Mortgage

Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 2 ) National Credit Systems Inc XXXX XXXX XXXX XXXX  GA XXXX Bond number XXXX Amount reporting {$3000.00} Date of reporting XX/XX/2012 XX/XX/2012
Product: Debt collection

I have been reaching out for almost a month to settle with the company and to get the proper information to the insurance company that is responsible for paying the debt. Wakefield refuses to give information that is asked of them so that the insurance company could attempt to pay the medical bill but they are refusing to release the information and they are saying that I am responsible for it and have to pay it. 
They never even sent the bill to the insurance company and every other hospital bill made it to them. They are refusing to respond to complaints and refusing to hand over needed information that could settle the debt. They are also refusing to release information to dispute the medical bill. They have been very unprofessional throughout this whole process.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX/DOFED : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2022 I noticed 2 charges on my account that do not belong to me from " must have savings '' in the amount of {$1.00} and {$99.00}. I called in to Comenity bank customer service on XX/XX/2022 to dispute the charges, and to get a new card with a different number so I wouldn't be defrauded further. I did receive a new card however Comenity bank failed to follow up the dispute process. I called today XX/XX/2022 to check up on the dispute and have been told that nobody at comenity bothered to investigate the dispute. I have also been hung up on 3 times today, because nobody wants to work on the file and give me a proper answer. I would like to file a complaint that they are charging me for interest and charges I don't owe, for not investigating the dispute within 90 days as per the FDCPA and for abusive practices since they keep hanging up on me and fail to respond to my questions. In addition to this, they still have not issued my points rewards for XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.
Product: Credit reporting or other personal consumer reports

Have a problem with experian credit reporting now I am sending this to legal departments. The child support needs to show me a court order. Before or after XX/XX/scrub> 2017 that states.i am behind on child support. The court order attached shows blank. I am not behind in child support. Like the clam I am. Show me hard documents. Yes I report them to the state and federal officers for fraud. This will be a law suit on every one who refused to send me hard documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.
Product: Mortgage

On XX/XX/XXXX, Lakeview Loan Servicing increased my monthly payment by {$540.00}. I inquired about this to try and understand it better. It has come to my realization that they have charged and set lender based hazard insurance on the property. In Mid XXXX I submitted proof of insurance. I closed on the property on XXXX XXXX. It has not even been a full year and I have been fully insure the entire time. 

I called again to inquire on the account and my insurance rep with XXXX XXXX has submitted my proof of insurance twice. They still have not changed my monthly mortgage payment amount. 

I also submitted my tax bill which they increased my estimate to {$7700.00}, which my tax bill in XXXX was only {$5300.00}. They still have not changed that either. I have been left with no other options besides reporting this to the CFPB. My lender said I should report this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or cash. Please take away THESE ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block.inc.due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive as they didnt not comply with error resolution requirements under electronic fund transfer act ( EFTA ) and Regulation E These actions have caused significant inconvenience and financial loss and seeking appropriate redress for this violation
Product: Credit reporting or other personal consumer reports

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 XXXX, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent XXXX XXXX which was opened XX/XX/XXXX - CapitalOne Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. 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 The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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

Hello, On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

I am respectful, experiencing Hardship / Relief via The CARES Act is LAW. Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with. 
XXXX and XXXX have removed this dispute. XXXX ( Refuse ) to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX  BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX XXXX AND EXPERIAN ( XX/XX/XXXX ),
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this information is inaccurate and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX not XXXX XXXX I'm have in problems trying to establish lines credit due to errors found on my credit report information is I correct these accounts been on mycredt for numerous years .request they please be removed due to these accounts is fraud. Or the amount is incorrect also l have noticed companies has possibly ran my credit without permission due high inquiry. proof need to be provided bellow
Product: Credit card

I moved into my new house XX/XX/year>. Since then I have received monthly credit card offers from XXXX  XXXX XXXX XXXX. It has been non-stop. Calling them has done nothing. Writing " MOVED '' and returning them does nothing. They have ignored my requests. I just want the credit cards applications to stop. It's so bizarre that any company would act like this. The previous residents were addressed as such : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 XXXX
Product: Mortgage

Our Bi-weekly ACH withdrawal amount increased more than expected and we suspect the escrow analysis was done before we submitted a one time escrow balance due in XX/XX/2019. Although the insurance increased slightly, the numbers do not add up to the overall payment increase.