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

I'm having trouble with Equifax I've had over 16 disputes with XXXX XXXX reporting ln accuracy on my credit file.. Now Equifax isnt allowing me to log to my.equifax .com account to check the status of my dispute. My account is now monitor over seas and everytime now i have to call..XXXX XXXX  ... Equifax is Retaliation against me for reporting to CFPB and Federal trade commission about XXXX XXXX reporting in accuracy on my credit file for over 425 days I been dealing with this matter.. If you check your records of this complaint same thing thats keep happening over and over ... When i try to log in it keep tell me username and password in correct, I know it not correct because I have username and password save in log Thats a way to keep me from checking on the status. of my complaint, ,XXXX XXXX is doing damage to my credit file..I keep getting denied for a mortgage loan to be able to purchase my first home..I have sent my document of proof to CFPB and Equifax over 4 times, this matter is getting so frustrating,,, Im stressing out over this matter all Im asking for fair justice ..investigate this matter to help me get it resolve.. I know this going to be forward to Equifax going to sweep under the rug and report the same old BOLOGNA!!!! CFPB please protect me and my this matter right ... it will be greatly appreciate ... And why this matter is global  instead of USA
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding several unauthorized hard inquiries on my credit file that have severely impeded my ability to achieve financial equity. Despite numerous attempts to rectify this issue with the credit bureaus, these hard inquiries remain on my record, causing significant harm to my financial standing. 

I would like to bring to your attention the following points : Unauthorized Hard Inquiries : The hard inquiries on my credit file were neither authorized nor ever consented to by me. I am a victim of identity theft, and my personal information was compromised during the XXXX breach. As a result, fraudulent activities have been conducted using my identity. 

Failure of Credit Bureaus : Despite providing substantial evidence and following due process, the credit bureaus have failed to remove these unauthorized inquiries from my credit file. This negligence has resulted in ongoing financial difficulties for me. 

TransUnion Documentation : Enclosed with this email, you will find documentation from TransUnion confirming that these inquiries should have been removed. However, these unauthorized inquiries still appear on my credit report, indicating a failure to follow through on their part. 

Merchant Routing Back to Credit Bureaus : When I contacted the merchants responsible for these inquiries, I was repeatedly routed back to the credit bureaus. This cycle of deflection has left me without a clear resolution and continues to impact my financial health negatively. 

Thank you for your attention to this critical matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, Transunion and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.
Product: Credit reporting or other personal consumer reports

i dont know what this is! my information was stolen. i have not applied for anything!
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX. They refused to investigate that file for 2 years even while being requested to so. Transunion has violated there following FCRA RULES 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 - 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 ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate Collections account failed to identify itself properly, intentionally scribbled over name to make it so they can not be verified, signature is not legible for verification, letter does not provide all documents stated and letter is only a spreadsheet and does not validate debt Transunion for the 5th time has been caught reporting an account as valid and at FCRA standards when that is in fact not the situation. In all cases when they have been caught they have removed accounts instead of providing compensation for the financial strain and losss they have cause even while this issue has been going on for over 2 years. It is now present Transunion is working in a discriminatory manner and seeing minorities as issues they dont feel need to be investigated unless legal representation is sought after. Transunion verbally admitted over the phone to receiving documents and not running disputes because its not there responsibility Transunion specialist also made disputes near impossible for online submission with documents, over the phone and have lost numerous documents in the mail. Certified mail has cost over {$1000.00} out of pocket for each round of letters sent.
Product: Mortgage

My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT BUREAU IS IN VIOLATION OF THE " STATUTE OF LIMITATIONS '' ON MY CREDIT MATTERS, " SINCE XX/XX/2018 COMPLAINT XXXX ABOUT EXPERIAN ''. MY CIVIL LIBERTY RIGHTS, FUNDAMENTAL RIGHTS BEING VIOLATED. THEREFORE ; FAILED TO NOTIFY ME ABOUT MY CREDIT REPORT DISCREPANCIES IS IN VIOLATION OF " STATUTE OF FRAUDS, AS THEY PUT A STATUTORY PERIOD. CF. LACHES ON MY CREDIT MATTERS, WITHOUT PROMPTLY CONTACT ME ABOUT MY CREDIT REPORT DISCREPANCIES, ETC. DEEMED TO BE A TRIAL BY AMBUSH OBVIOUSLY HAPPENED TO MY CREDIT REPORTS MATTERS. VIOLATION OF MY FOURTH AMENDMENT ( 1791 ) AND MY FIFTH AMENDMENT ( 1791 ) AMENDMENT VIII AND AMENDMENT IX ( 1791 ) ALSO BEEN VIOLATED BY THE CREDIT BUREAU [ S ] AGAINST  MY RIGHTS. DEEMED BIAS WITH ANIMUS ACT AND ACTIVITY AGAINST ME, ACCORDING TO OUR RULE OF LAWS I MENTION HERE-ABOVE. XXXX XXXX IS IN VIOLATION OF OUR CIVIL LIBERTY RIGHTS, & FUNDAMENTAL RIGHTS, AS I MENTION HERE-ABOVE ALSO. BIAS WITH ANIMUS CONSPICUOUSLY.
Product: Checking or savings account

Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
Product: Credit reporting or other personal consumer reports

This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and believe that this unauthorized inquiry was made by someone who unlawfully used my personal information. 

The fraud inquiry is as follows : XXXX  XXXX XXXX XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00}.
Product: Debt collection

The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to investigate and remove the accounts and inquiries that are unknown to me, as reported on my Credit File. I recently discovered a relevant law, namely the FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that the Credit Bureaus are obligated to remove any such accounts, inquiries, or information within 4 business days after XX/XX/XXXX. I have previously mentioned this law in my complaints, and I am reiterating it now. The items in question are as follows : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries nor did I authorize anyone else to do so on my behalf. I suspect that this is a case of identity theft, and I am taking appropriate measures to report it to the authorities. Although I am unsure about the exact nature of these unauthorized accounts and inquiries, I trust that you will conduct a thorough investigation to ascertain their legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for me filing this complaint is due to AD Astra Recovery Service failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Equifax ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address : XXXX XXXX XXXX XXXX XXXX  Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XX/XX/XXXX CMRE Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX XXXX CREDITOR ACCOUNT XXXX Date of Service XX/XX/XXXX Dear Sir/Madam : Please be advised that the above referenced account was paid in full on XX/XX/XXXX confirmation XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I called XXXX XXXX and they confirmed that this account was paid in full with a case number of XXXX. Please refer to that case number when updating this account. 
Kindly provide a letter reflecting a XXXX balance for the above referenced account. Thank you for your anticipated courtesies in this matter. 

Cordially, XXXX XXXX XXXX : New Jersey Division of Consumer Affairs
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXT XXXX XX/XX/XXXX
Product: Consumer Loan

A copy of the letter sent to Lexus Financial is below : Lexus Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX XXXX To Whom It May Concern : I received telephone call from a gentlemen in regard to monthly payment. I reiterated to the gentlemen that the payments are being made via automated bill payment and that the XXXX/XXXX/2016 statement shows that the monthly payment due is {$480.00}. I know that my previous payments were {$680.00} and this is what we have paid in the past and the reduction of payment to {$480.00} is a welcome change. Please see attached statement received from your office. The gentleman argued and denied that there is such a statement sent, insinuating that I am lying, and that I offered to send it via email so that he can see what I am talking about but he refused to acknowledge and stated that you do not have an email for such purpose. I continue to get your nasty calls. 

I find it incredulous for such a large company like you not to have an email for correspondence purposes even for just escalated issues. I offered that I am going to mail a copy for proof. 

This predicament is of concern that a statement is sent out and your representative denies such existence. I therefore demand that you provide me a copy of my lease payment history and all the billing record you have in regard to this account. I also demand the explanation of such amount due fluctuations, and why your statement does not reflect your representatives collection view. 

I am submitting a copy of this correspondence and request to the CFPB and request that you give this matter your immediate attention.
Product: Credit reporting or other personal consumer reports

Nissan motor acceptance corporation XXXX my car In XXXX XXXX XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXXXXXX. THE XXXX XXXX. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM XXXX MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY GAP INSURANCE FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.
Product: Debt collection

I have done disputes with absolutely no success, I have sent letters to validate debt with a return to sender address. it's become extremely aggravating. Please help seems that this company had bought old debt that was already accounted for two different past debts, This company Jefferson Capital seems to have bought right about the expiration date.
Product: Credit card

Okay, I will update the email to reflect there were three returned payments that you paid back : Subject : Complaint Regarding Closed Credit Card Account To whom it may concern, I am writing to submit a complaint regarding the recent closure of my credit card account with Capitol One ending in XXXX & XXXX. 

I have been a Capitol One credit card holder for over 3 years and have always paid my statement balance in full and on time each month. However, my account was abruptly closed by Capitol One due to three returned payments over the last few months. These returned payments were the result of my checking account being compromised by fraud, which I have reported to my bank and have documentation proving unauthorized charges were made. 

I contacted Capitol One immediately upon notification of each returned payment, explained the situation, and repaid the payments. I also provided documentation from my bank showing my checking account had been hacked each time. Despite repaying the returned payments and providing proof of fraud, Capitol One still chose to close my account. 

Closing my account without allowing me to dispute the returned payments or taking into account my long history as a good standing customer has negatively impacted my credit score and ability to obtain credit. I would like Capitol One to reopen my account given I have proof the returned payments were due to fraudulent activity on my checking account that was out of my control. 

Please assist me in getting Capitol One to properly investigate the situation and reconsider their decision to close my account. Having good credit is essential and this has caused undue harm that I am hoping can be corrected. 

Thank you for your assistance in this very important matter. Please let me know if you need any additional information or documentation from me. 

Regards, XXXX XXXX