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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in updating the accounts on my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to update them 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 XXXX XXXX XXXX
Product: Debt collection

This company I do not OWE nor have had the option to request for validation. This is inaccurate and I am requesting validation be sent through this portal. Please help
Product: Mortgage

I filled out an application with XXXX XXXX of Loan depot at the beginning of XX/XX/XXXX. We began communication about my loan application XX/XX/2019 at that time i emailed him the requested information of my pay-stubs so he could determine my hours worked. I then contacted XXXX again via text on XX/XX/XXXX asking is there anymore info needed as i have not heard back from him since i filled out the application. At that time he asked how much we would be able to put towards a down payment. I let him know at that moment i had XXXX in savings. On XX/XX/2019 XXXX emailed me a screenshot of a pre-approval letter because we.Between this time we had been in communication on different homes we had found. He even set us up with a agent to look at homes. When we found a home that we liked per XXXX we were all good to go under a contract with the seller. We gave our XXXX earnest money  and had an inspection and apprasal done on the home. After not hearing back from XXXX as to the status of a closing date or any information as far as where we are in the process. XXXX very rudely told me he did not work for me and disconnected the call. I then called the customer service and was given contact information of his supervisor XXXX XXXX. XXXX went on to tell me my application was denied. No one was able to explain why we got an inspection and apprasial on a house we could not get. Now Mr XXXX is not answering my question of when i will recieve my refund as he asked me to provide him with proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

the U.S law U.S code title 15 Commerce and trade chapter 41 a consumer credit protection sub chapter XXXX credit reporting agencies which that refers to EQUIFAX subsection three credit reporting agencies 1681 B you have a title that says permissible purposes of consumer reports there's two permissible purpose for a credit reporting agency to be reported if you go to the first one it says in response to the order of a court having jurisdiction to issue such an order or a subpoena issued in connection with proceedings before a Federal grand jury we don't have that situation, the second issue is in accordance with written instruction of the consumer to whom it relates I'm this consumer you're reporting stuff on my behalf and you do not have written instruction from me. I am a well informed consumer, all correspondence is being recorded for future evidence purposes. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$35.00} XX/XX/XXXX These accounts violate my rights, they have also been factual data disputed several times which you have ignored see attached documents. I have taken the liberty to point out over 11 violations that your company has committed. Im not asking but telling you remove or Notice of lawsuit for damages, and attorney fees will follow.This has kep me from owning a home and tremendous stress. 
Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of your violation and lack of investigation from previous dispute through CFPB will also be used as evidence file numbers are ( XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 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

We find there is over due from our credit report from Bank of America, and there was a charge {$14000.00} on the card. I never applied this card, and never received the card. This is a fraud.
Product: Credit card

Wells Fargo converted my XXXX XXXX to a One Key Mastercard without my consent. When I made my first transaction months later, I had no access to the APR. Although I had online banking, there were no statements available before that, and the APR wasnt displayed anywhere in the app or website. Wells Fargos claim that APR can always be found in the statement is irrelevant, as no statement existed at the time. This left me unable to make an informed decision, violating transparency requirements under the Truth in Lending Act. 

On top of this, before I activated the new card, multiple unauthorized transactions occurred in the XXXX XXXX. While Wells Fargo resolved my fraud claim, they have not addressed the critical issue : how my unused, non-activated card information was compromised in the first place. 
Since the card was new and unused, this suggests a failure on Wells Fargo 's part to protect sensitive customer information. The fact that my data ended up in the hands of bad actors reflects potential negligence in their systems or by their employees. 

Despite raising these concerns with Wells Fargo and the Department of Financial Services, the bank has refused to investigate the data breach or take accountability for the lack of transparency and security that led to these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform the Experian credit bureau that I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received a phone from a woman named XXXX claiming she was from Associated Bank. I returned the call from the number XXXX. The recording says that it is associated bank and asked to state the nature of the call, I said it was a return call. I was connected with someone who said they couldn't tell me why I got the phone call unless I verified my information. I was at work and hung up and figured they were calling because my account balance was - {$240.00}. I called back again around XXXX the same day. Thinking this was the bank the woman on this call asked to verify my information. I ended up giving out my account number and the last 4 of my social. She then told me that there was no account and then asked for my ENTIRE social security number and at this point I stopped and did not give it out. I asked to be transferred to my bank and she stated she was not able to do that because she is from a different branch. I called my actual bank, told them what happened and made an appointment to go and have my account changed ( checking ) I called this company again because they claim if you return the call to them they can ask you to verify your information. However, the last call I made I had hung up, this gentleman called me back and I asked several people what the call I got was for were unable to tell me but somehow this man was able to figure out my account was overdrawn ( I never disclosed that information ) and called me back to tell me he was able to figure it out without verification then asked when I will be depositing money into the account. I hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion check the information that they reported in reference to my XXXX XXXX credit card for which I am an authorized user. They reported that my credit score dropped due to increased usage. That was not accurate because my usage was at XXXX. Transunion actually removed both XXXX XXXX accounts from my credit report, one open and one closed, which made my score drop even more. I never disputed the accounts so they should not have been removed.
Product: Debt collection

We have been getting at least 5 phone calls a day from comenity bank about a debt which is not ours. We called there customer service rep and were told that we would be removed but continue to get the calls. They said that some one probably fraudulently used our phone number. The calls are annoying and must stop. I owe no one money.
Product: Money transfer, virtual currency, or money service

I am filing 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 I seek appropriate redress for these violatoons
Product: Credit reporting, credit repair services, or other personal consumer reports

mrcooper i found this mistake today XXXX got me kisted XXXX XXXX XXXX XXXX XXXX on their site and XXXX  got me listed XXXX XXXX XXXX XXXX XXXX which sounds more correct to me
Product: Debt collection

I was a victim of identity theft and 2020 I submitted a police report along with all documentation to Trans Union and XXXX and XXXX. All the accounting questions are removed from my credit report matter starting to show back up and I scored his job and I am in the process of trying to get a home equity line and it is really bad. I need these accounts and is along with all
Product: Credit reporting or other personal consumer reports

I received emails from a company called XXXX XXXX but I do not know who they are and they are sending me emails to withdraw funds out f my account. This is fraud, I do not know who they are
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 these fraudulent accounts opened/collection accounts with 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 

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 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been led 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 credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 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 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 # ( private case number ) 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.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identied in this CFPB complaint from my consumer credit le within 4 business days of receiving said complaint. I request that all written conrmation regarding this CFPB complaint be sent to me via email to XXXXXXXX XXXX XXXX
Product: Mortgage

Hello. 
I recently contacted my mortgage company - Freedom Mortgage - regarding requesting removal of PMI from my mortgage. In the letter XXXX SEE ATTACHMENT ), I advised that my current outstanding principal on my loan is {$210000.00} ( As of XX/XX/XXXX, the loan balance is : {$210000.00} ) ( SEE ATTACHMENT ), and that the 2016 value of my residence, as determined by XXXX office, and that which I pay taxes on, is {$270000.00} ( SEE ATTACHMENT ). I provided the attachments as proof. I showed that {$270000.00} x 80 % = {$220000.00}, and therefore I had over XXXX % equity in my home, based upon the loan to value ratio of the home. {$220000.00} ( 80 % ) & gt ; {$210000.00} XXXX Amount owed on my mortgage ). The figure was based fully upon assessor appraisals and includes XXXX done to the home. 
I received a letter ( SEE ATTACHMENT ) back from Freedom Mortgage that advised that if the home loan was between XXXX and XXXX years, which mine is, I had to have a Loan-to-Current-Value ratio of 75 %. I am not a high risk lender, and I have never missed or been late on a payment on my mortgage. I even pay early and every XXXX weeks. I am also just over 3 years into my current mortgage. 
I do n't know why they are telling me I need XXXX % home to value ratio, when everything says I can request cancellation at XXXX %? I feel as if I am being taken advantage of by Freedom Mortgage. In addition, Freedom Mortgage indicated they only accept appraisals from one vendor - XXXX. I do n't understand how the mortgage company 's XXXX vendor can be unbiased when conducting an appraisal? 
Thank you for your time.
Product: Checking or savings account

On or about XX/XX/XXXX, First Citizens Bank was contacted regarding a vehicle break-in that occurred. During this call, no bank representatives were available as it appeared that the bank has no " after-hours '' answering system. Fortunately, XXXX XXXX was able to restrict the card access via the telephone system during that call. 

The bank was contacted again on XX/XX/XXXX, and a representative from the Disputes Department was advised of the incident that occurred a day prior, she proceeded to order another card and advised XXXX XXXX to contact the bank once the fraudulent XX/XX/XXXX XXXX XXXX transaction for {$4100.00} posted to the account. 

During this waiting period, XXXX XXXX was never advised nor contacted that the previous card had been deactivated by a unknown representative. It is not until XXXX XXXX contacted the bank again on XX/XX/XXXX, that he was informed that the bank considered him a " risk '' based on the most recent XX/XX/XXXX XXXX XXXX for {$4100.00} dispute. They also informed XXXX XXXX that the dispute has already been declined due to, " the story not adding up... how can someone steal your card and use the card in the same city '' which are the comments the representative read by the dispute representative. In essence, First Citizens Bank is failing to following protocol via Reg. E but also in whole, refusing to investigate the dispute in its entirety.
Product: Payday loan, title loan, or personal loan

Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting XXXX but the company is not listening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date Opened:XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.