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

There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, XXXX and Transunion it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed.
Product: Credit card or prepaid card

For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. Thank you.
Product: Credit reporting or other personal consumer reports

My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. Ally bank never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from Ally bank. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.
Product: Credit reporting or other personal consumer reports

They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a XXXX XXXX  on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.
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 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2021 requesting Experian to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to obtain my credit report from Equifax since XX/XX/2022. 
I received a letter from Equifax dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at MyEquifax.com XXXX times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : https : //my.equifax.com/consumer-registration/ACR/ # /system-error Furthermore, I called the Equifax help number ( XXXX XXXX literally XXXX times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with XXXX and XXXX. 
This is outrageous.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.
Product: Credit card or prepaid card

Hi,, Thank you for helping me. I have a relia debit card issued for the unemployment benefits this year from U.S. Bank. I had a bunch of fraudulent charges made to the card, around XXXX worth. I spent weeks trying to contact the bank and was unsuccessful. I finally got someone on the phone and submitted a dispute for each separate charge to the card, none of which are mine. About 8 to 10 weeks later I received a letter from them saying they found no error. The letter said I could request documents that they used to determine their decision. I wrote and requested these documents over 2 months ago and have never received anything. I have reached out numerous times by telephone and can not get anyone. These charges are fraudulent and they have done nothing to protect me or help me. I will fight this to every extent. Thank you XXXX XXXX
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 Number : XXXX Account Name : XXXX & XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX 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 card or prepaid card

XXXX XXXX a Target card was fraudulently opened in my name It looks likes a card was opened on XX/XX/XXXX for XXXX XXXX  XXXX , XXXX XXXX Orig CTR on XX/XX/XXXX, XXXX  on XX/XX/XXXX XXXX 
There may be more that haven't shown up on my XXXX XXXX
Product: Money transfer, virtual currency, or money service

I added {$1800.00} to my robin hood account on XX/XX/year> and they immediatley banned restricted my account keeping me from accessing my funds. Thats fine Everytime i try to communicate with them there is no response. They told me to wait 3 days to here back and it passed the three days ans they keep pushing the date back. I just want my money. Ive verified and gave them all the documents they asked for and they still have not taken action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Hope your day is well. Please remove my consumer statement or personal statement off my Equifax credit report. I believe you have q police report on my consumer statement, and I need that to be removed off my statement ASAP. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Mortgage

XX/XX/year> at about XXXX : I called my mortgage servicer, Wells Fargo XXXX to ask when the PMI on my mortgage could be removed. XXXX with Wells Fargo got my call. I first asked what my original loan amount was and she told me {$100000.00}. Our current balance on the mortgage is {$84000.00}, which is XXXX % of the original loan amount. I then asked her when the PMI would be removed from my loan and she said she would have to open a work order with my investor, XXXX XXXX, and I would have to wait for the letter in the mail in about XXXX business days explaining my options to remove the PMI. I asked if it should have been automatically cancelled when our loan hit XXXX  % remaining owed of the original purchase price and XXXX could not answer that. She said Wells Fargo is just the servicer and she has to create a work order with XXXX XXXX as they decide when PMI is removed and when. I asked why she couldn't answer my questions and she said she was. I told her telling me she can't answer my questions is an answer. As my loan servicer, they should be able to answer these questions. I looked on the XXXX XXXX site and it states : Because XXXX XXXX guarantees the security, it carries XXXX XXXX name. As a result, borrowers are often mistakenly advised that XXXX XXXX determines eligibility for loan modifications, though we do not. The loan modification process is managed by the loan servicer according to the guidelines of the insuring agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX NA XXXX Balance : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new Checking Account with Truist Bank on XX/XX/2023 w/ an opening deposit of {$50.00}. On Thur. XX/XX/2023, I was advised by telephone banking that I needed to contact XXXX XXXX re : some type of status, that still has yet to be disclosed to me on the account. XXXX XXXX advised me to request a report and file dispute b/c there may be inaccurate information reporting re : my banking history, which has been in process and report is yet pending. On XXXX XX/XX/2023 My Employer XXXX sent my {$500.00} payroll direct deposit to this banking institution. I went in the branch to withdraw my funds per the advice of Early Warning. At that time Branch Manager, XXXX XXXX XXXX XXXX  XXXX, TX XXXX assisted me with withdrawing funds and closing the account. He also advised they see my employer direct deposit, and they are sending the funds back to my employer. It has now been 5 days that the return of my hard earned wages are yet pending. It doesn't take this long for direct deposit to be sent, and it shouldn't take this long for it to be returned. I find this to be an abusive practice, and my money is being held hostage. I have essential bills for my livelihood that have gone unpaid, and my creditors do not understand that the banking institution is holding my money for no valid reason. My livelihood, stability, credit, and my integrity are on the line here. 

This financial institution needs to be held accountable for their lack of integrity, and honor to me as a customer, and any type of fine or interest that they can grant me should be issued due to my financial hardship that has been caused by this case, along with an immediate resolution of releasing my funds is necessary with the utmost urgency. Thanks in advance for your time and assistance with regards to this matter. 


Respectfully, XXXX XXXX
Product: Mortgage

When I closed the reverse mortgage loan I was told I needed to have several things fixed on my house. I had those repairs done in XX/XX/2022. I started calling the mortgage company. I have been cut off, hung up on, given incorrect information and transferred to the wrong number several times. Every time I call its a very long hold time. I finally found out I have to submit invoices. I did that on Tuesday XXXX at noon to their repairs department to the email I was given. Of course, I never heard back from them. I called Thursday XXXX and was told there were no notes on my account, but I should hear something Friday or Monday. Nothing, so I called Monday. After being on hold, transferred to the wrong department, on hold again, I got a customer service person who put me on hold for a very long time. Then she said yes, they did get my email and I should be getting an email soon with a form I have to fill out. Obviously, they are stalling so they dont have to pay me the {$3300.00} they are holding until I get the repairs done. Meanwhile I had to spend my money. This is the worst company I have ever dealt with. The reviews on this company are XXXX XXXX  bad. The company is PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

BMW Financial Services claims I owe XXXX I believe, amount might be incorrect. This amount is the difference from payoff received by XXXX, the insurance company for the party who totaled my vehicle which occurred on XXXX XXXX of this year. A GAP claim was filed, however, the claim was paid out with no benefits and do not know why. I advised both parties, XXXX and XXXX XXXX, one of them will need to pay out for this. However, more than likely, neither party paid. There is a case pending against XXXX for bodily injury due to accident and have advised attorney to add on the amount owed to BMW Financial Services as part of claim. This is a legal matter which I can not discuss, however, please advise BMW Financial Services I do not have amount owed as I have been helping my mother with her medical bills since accident, she was the driver of the vehicle at time of accident.
Product: Credit card or prepaid card

Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit account opened at XXXX XXXX, opened around XX/XX/XXXX, under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1600.00} under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$1200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list 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 reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and 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

This is a duplicate collection attempt from a different collection agency both from the same service provider. Details about the debt is below : I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing XXXX for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing items when sent with an FTC report. Since it is required by law under section 605B of the FCRA, I am sending this complaint by certified mail to establish a legal record. If you do not remove the items listed below, which are inaccurately reported due to unauthorized inquiries, I will provide my documents to my attorney to initiate legal action. I prefer to avoid legal action, so please adhere to the law. Please remove the inquiries, as they are fraudulent and were made without my consent or knowledge. If you claim this inquiry and the addresses are 100 % accurate and verifiable, I need you to provide me with copies of any documentation associated with these items that bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please note that you have four business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent inquiry. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within four business days.