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

On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
Product: Mortgage

To Whom It May Concern : On XXXX/XXXX/XXXX my loan was transferred from XXXX XXXX to SLS as the new servicer, although XXXX XXXX still retains the rights to the loan. I continued to make my payments and have never missed a payment. I have attached cancelled checks to verify this being the case. On XXXX XXXX XXXX I was notified that a XXXX day late was filed by SLS onto my credit report, I called and talked to XXXX who found that they had misapplied my XXXX payment to my escrow account even though my account is impounded. She stated she could have this immediately corrected and filed a ticket to have this reversed. She assured me in would be completed no later than the XXXX of XXXX. On XXXX XXXX, I called back to SLS and was told by XXXX that the ticket had been completed and I would see a correction on my credit report on the XXXX XXXX, XXXX reporting. I explained to her this was not acceptable that I was in the process of trying to obtain a loan and that this erroneous late has now caused me harm. I asked her to have this corrected immediately. I was then contacted by the Office of the President who apparently handles complaints. I was told that they would send out a Mortgage Verification confirming that this had been corrected. On XXXX XXXX XXXX I received the Mortgage Verification that clearly shows me having a XXXX day late. This needs to be reversed immediately and SLS needs to assure me with written verification that this has been corrected. My credit score has plummeted by more than XXXX points and it has now caused me to be turned down for financing with my business. This has caused me irreparable harm and this company needs to be held accountable for their actions and failure to correct their errors. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Loan # XXXX
Product: Credit card

Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt
Product: Mortgage

It has been over 16 years on a mortgage of 30 years that has repeatedly changed ownership of different companies that have all each gone bankrupt and my account payments have not been serviced and processed, correctly..I called Shellpoint to discuss this matter with them, and I was told that they had noone that could help and diverted me to a po box to submit complaints. There has been an error with servicing my loan by this company.and this company has furnished inaccurate information on my Mortgage Statement. I have paid on this loan over 16 years and the Principle and interest are not reflective of the current payment that I should be paying .I have pai the majority of interest on this loan and this Mortgage Company is taking over the interest due on the account due .The loan has never been evaluated to the revised principle and interest due, as of date.I am paying the wrong Principle and interest amounts for my monthly payments.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX are reporting late payments XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account XXXX XXXX, A which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX, A was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

This is Fraudulent account and I never open it, My information was stolen and opened credit card. 

Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/2024 Status Paid, Closed/Never late. 
Status updated XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXXXXXX XXXX, XXXX/ XXXX XXXX ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX/ XXXX   XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX   XXXX XXXX XXXX ( multiple entries on my credit report ) , XXXXXXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX
Product: Debt collection

Have told this company REPEATEDLY that I do not live on the XXXX coast and to stop calling me before XXXX XXXX. They continue to call me at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. XXXX, Experian, and XXXX are credit reporting business agencies, who have the duty to protect consumers privacy. According to the XXXX XXXX Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. XXXX, XXXX, and Experian are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit card or prepaid card

On XX/XX/2021 I accidentally paid Best Buy, Citibank Credit, {$120.00} via a bill payer application. I call Citibank and explained the error in XXXX and again in XXXX, in addition to receiving 2 statements indicating a credit on the account. 

On both calls the representative confirmed that there was a credit on the account, and that the account was actually closed due to inactivity. They stated on both occasions that a check would be issued within 5 to 7 business days. 

It has now been over 2 months and they have yet to issue a check.
Product: Debt collection

I have reviewed my credit report several times and collection account from Commonwealth Financial continues to reflect negatively on my credit report. I do not recognize this account and if it was a medical debt it should have been covered under my insurance and/or medicaid. I have attempted to resolve this issue several times with the agency but they have failed to validate the debt as accurate and that they have legal right to attempt to collect on this account.I have also attempted to resolve direct with credit bureaus with no resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Transunion hard inquiry XXXX XXXX XX/XX/year> Transunion hard inquiry XXXX XX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX hard inquiry. All were unnecessary inquiries to my credit.
Product: Money transfer, virtual currency, or money service

While temporarily living in XXXX, NV for a work assignment, I searched for a one month apartment rental on XXXX. Upon finding what I thought to be a suitable place, I contacted the owner of the listing. We then exchanged a number of emails and texts before I submitted an application to rent the place. As the final step in the process, the listing owner asked me to wire {$1400.00} ( cost of the apartment for one month + a deposit ) via CashApp, a peer-to-peer payment platform owned by Square. I sent the money on the evening of XX/XX/2019. 

Upon waking up the next morning, the XXXX listing owner let me know that his account was closed and that the payment did not go through. He asked me to send the payment to another account. After a long series of interactions, I agreed to send another {$1000.00}. In the meantime, I reached out to Cash App to see what I could do to recoup the {$1400.00} that I had sent the night before. Minutes after I sent the second payment of {$1000.00}, CashApp informed me that my first payment of {$1400.00} had been cashed out and used to buy Bitcoin. Immediately, I contacted CashApp to stop the second payment of {$1000.00} as it was clear that I was being scammed by the XXXX listing owner. 

The CashApp team was not able to stop the payment. The owner of the XXXX listing stopped responding to messages. I contacted my bank ( a major bank ) to dispute the charges. They initially refunded the amounts, but after a month, the bank has denied the claim as of early XX/XX/2019. They state that they have talked to CashApp and that the company " adequately provided the services of transferring money to a merchant. '' They say that they can do nothing more and that I need to contact CashApp. 

In the meantime, CashApp has closed my account because with the stated reason that my account is closed because I filed a claim to dispute charges made on the app. So I have absolutely no way of contacting them or any hope of recouping the {$2400.00} that the fraudster stole. 

I feel completely powerless and hopeless in this situation, and I'm confused as to how reputable banks and companies like Square/CashApp can continue operating without addressing serious issues of fraud like this. In fact, CashApp has made it impossible for me to contact them because they closed my account. This seems unreasonable and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : XXXX Account info DEPT OF ED/AIDVANTAGE Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Equifax Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to TransUnion notifying them of the reinsertion of XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection
Product: Credit card

I attempted to purchase a washer and dryer from XXXX online in XXXX of 2024. Long story short, the dryer delivered did not work, so I refused delivery. The dryer was taken back with the understanding that a new dryer would be delivered. The new dryer was never delivered and I was told days later that the washer and dryer should have been returned together. At this point I told them to come get the washer, which had not been used, and to cancel the entire order. They came and took the washer the next day. In XXXX of 2024 I get a report that I have a bill 30 days delinquent from XXXX, which is the company that provides financing for XXXX. I explained this to them and was given the run around despite every operator confirming that my account did indeed show that the items had been returned/refused. They also did not seem to understand that they needed to report this error to the credit agencies as this had caused my credit score to drop XXXX points. So I lodged a complaint with the XXXX  on or around XX/XX/year>. This prompted XXXX XXXX an Executive Case Manager | Executive Escalations Support Group | eCommerce | XXXX XXXX XXXX to contact me promising to fix the issue as he could see that the items had indeed been returned/refused. 
Today, XX/XX/XXXX, I received an email asking me to confirm that I no longer had the items. After 15 days, that is the email response I get? Meanwhile, my credit score continues to drop and there has been no mention or attempt to mitigate the issue with the credit reporting agencies. I did open a dispute with the credit reporting agencies but have heard nothing back as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to XXXX XXXX XXXX XXXX XXXX and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by XXXX. 
Upon asking XXXX  to correct some payment status information on my Experian report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor XXXX and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX