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

Applied for a loan in XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XXXX, XXXX, XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation  and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.
Product: Checking or savings account

On XX/XX/17 I was scammed by someone using Cash App. The posed as a XXXX XXXX  and managed to get a total of {$500.00} from me. As soon as I realized this was fraudulent I notified Cash App. Cash Apps customer service is XXXX XXXX person said they'd investigate and refund. XXXX person said I'd never get my money back. Another said I would but it would take XXXX XXXX! Another said that reporting fraudulent transactions to Cash App is more about them learning to prevent them and that they will do nothing to help you. Meanwhile scammers run rampant on cash app because they know they are welcomed there. This loss of {$500.00} has caused me to become XXXX  and still Cash App does nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received several credit alerts that a company by the name of SyncB had pulled my credit report. I immediately knew it was synchrony bank due to this same issue last year. I was told that the credit bureaus are reporting inaccurate information, contact them. I asked to be transferred and was disconnected. The credit bureaus are advising to contact synchrony in an ongoing life circle. This is the third unauthorized or warranted inquiry that's been placed on my report in the past 12 months from synchrony that I can't get removed. After numerous dead end attempts, I want all of them gone asap.
Product: Debt collection

On XX/XX/18, I pulled a copy of my XXXX  Credit report and noticed a debt collection company that I had submitted a dispute letter concerning a past due medical bill for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian for reporting a charge off from XXXX XXXX XXXX ( reference number : XXXX ) on my credit report. This item is in violation of the Fair Credit Reporting Act ( FCRA ), as I have a right to dispute any inaccuracies on my credit report and have the issue promptly investigated. 

I have made numerous attempts to resolve this issue with Experian but have not received any response. I have provided Experian with the necessary documentation and information to support my dispute, yet I have not received any resolution or communication from the company. I have NEVER received any response or verification proof for this account mailed out to my address for this unverifiable item being reported on my consumer report. 

According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation when a dispute is filed, and to delete or correct any information that is found to be inaccurate or can not be verified. Experian has failed to meet these requirements, and I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under the FCRA are protected. 

Specifically, I request that the charge off from XXXX XXXXXXXX XXXX be removed from my credit report, as it is in violation of the FCRA. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I have a car loan with Exeter Finance, I have had nothing but issues since starting with them!! Ive currently hired an attorney to sue them for stealing, fraud, harassment, financial hardship, emotional distress, as well as reporting inaccurate and false information to all three credit bureaus!!! Not only have I been called daily and sent emails daily since getting the loan, I caught the company trying to steal from me, and in the process am continuing to daily get harassed and lied to and have even spoken to management and was promised a credit onto my account due to their mistakes and faults in which I still havent received!! As well as received a letter in which was overnighted from the office of the president last week stating they never made any mistakes at all but when stating my evidence I have against them over the phone with her was asked to send whatever documentation I have over to her email, are you kidding!! Why would I do that?? Let alone its XXXX and I made two payments in XXXX and they have reported Im over 90-180 days late on my payments when Im not!! Let alone They have stated payments werent made on my credit report when I have evidence and bank statements in which show payments were actually made!! Their screwing me, scamming me as well as damaging my credit score at the same time!!!
Product: Credit reporting or other personal consumer reports

Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. Experian, XXXX and XXXX all need to be under investigation for identity theft for millions of consumers.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear Equifax, XXXX, and XXXX, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$0.00}, XXXX XXXX. {$490.00}. 


INQUIRY : XXXX XXXX  XX/XX/year>
Product: Debt collection

They reported an alleged debt to collections that was over 10 years old and falsified my payment history on it claiming it was going to collections in XXXX of XXXX  when I haven't even had XXXX  service for ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Experian to remove personal data that is not correct or does not belong to me. They claim they have fixed the personal data and removed the disputed information although it still shows up on my credit report. I attempted to file a complaint with CFPB against Experian for their refusal to remove incorrect personal data yet they claim a third party filled the complaint and refused to investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX  XXXX XXXX  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date XXXX
Product: Credit card or prepaid card

I noticed several charges on my card on XX/XX/XXXX and reported them immediately to Bank of America. This claim was denied on XX/XX/XXXX on grounds that I had logged into the mobile app in the time between the charges being placed and my reporting of it, in violation of FTC regulations that clearly state : If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. 

I noticed these charges and reported them within the required 60 days. My card was never out of my possession, and I had moved to Maryland at the time, far from the location of the fraudulent charges. 

The fraudulent charges are detailed below : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX NY XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX* XXXX XXXX XX/XX/XXXX XXXX  XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX NY XXXX
Product: Mortgage

XXXX XXXX, 2016 Wells Fargo, Home preservation department ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX I just wanted to let you know that I am in the process of having a square foot is your appraisal done on my home. The PA licensed appraiser will be coming out on this Saturday, XXXX XXXX, 2016. I have disputed your findings reported to the CFPB, and once I have received the square footage appraisal from the appraiser I will forwarded and forward it to you. 
At the end of the day my outlook for this situation for me is to get my house appraised properly so that when the transition of either foreclosure, short sale or deed in XXXX of foreclosure happens, I will have a true and correct value of my home, And not have to walk away owing you more than what the property is actually worth after it is sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 

XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Please accept this letter and the accompanying documents as my registered complaint regarding the Mortgage FICO Score XXXX  calculation and scoring methods used by TransUnion XXXX XXXX XXXX XXXX and their detrimental impact on the consumer. 
A cursory review of the included information will establish the following facts ; A ) My TransUnion ( TU ) Mortgage FICO score on XX/XX/2020 was XXXX, my TU Mortgage FICO score on XX/XX/2020 was XXXX and my credit profile only improved between the two TU Mortgage scorings. 
B ) Our new refinance loan costs have increased substantially since my lowered TU Mortgage FICO score dropped us in a lower pricing tier. We are now paying a portion of a point and our Private Mortgage Insurance ( PMI ) rates are higher. 
C ) The reduction of my TU Mortgage FICO score runs counter to the TU & Fair Isaac ( FICO ) consumer facing published Credit Score guidelines. 
D ) I did file a TU Investigation Report on XX/XX/2020, of which a copy is included herein, however their online system states a decision will be made by XX/XX/2020 and the results mailed. I have tried numerous times to call the TU Customer Service line but I remain in an endless queue.

E ) The immediate TransUnion-recalculated FICO Score financial impact to our family totals {$3400.00} in additional points and PMI premium not to mention the longer term impact of this issue over the 30 year life of our loan. 

Furthermore, if I would have somehow caused a negative credit event or should TU just determine that my overall credit profile had worsened, then one would assume that my TU FICO Score versions would all have dropped. Right? I mean, when one compares my XX/XX/XXXX TU FICO Scores to the XX/XX/XXXX TU FICO Scores, TU is implying to certain potential creditors/TU Score vendors that I am just as good a credit risk on XX/XX/2020 as I am on XX/XX/2020. 

Adding insult to injury, if I theoretically visited 2 auto dealers on XX/XX/2020, I could get a competitive auto loan rate if the dealer uses the TU FICO Auto Score XXXX  but I would receive a punitive auto loan rate at the second dealer assuming they used TU FICO Auto Score XXXX. In this example, I suppose I should have gone auto shopping on XX/XX/XXXX when both TU FICO Score versions were better representative of my Credit Profile.
Product: Credit card or prepaid card

I am the victim of fraud. On XX/XX/2020 ; multiple fraudulent charges of {$54.00} XXXX ( Total : {$270.00} ) were made to XXXX XXXX store XXXX ( XXXX, AZ ) via my cash app. I contacted the merchant immediately on * ( XX/XX/2020 ) only to be told it was nothing he could do, and advise that I contact my card company. I contacted Cash App immediately as well on * ( XX/XX/2020 ) only to receive a generic response requesting information * ( email to merchant, police report, Internet crime report, etc. ) which I provided in several emails only to still NOT be refunded for the {$270.00} that was stolen from me, and dispute not file by cash app as requested. Cash App has compromised my account. A few months ago Cash app changed my account and routing number without my knowledge and permission. Now this has happen to me, and my money has been stolen and cash app is refusing to do anything about it. Cash app is not responding to my emails. I'm requesting to be refunded the money that was stolen from me by Cash App and XXXX XXXX store * ( XXXX XXXX. I truly believe in good faith that Cash App has compromised my account, and made fraudulent charges to XXXX XXXX via my cash app account.
Product: Credit reporting or other personal consumer reports

These addresses were never mine, someone stole my identity and opened an Ulta credit card under my identity. I have never lived at these addresses : 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 This is my XXXX  XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was my XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was my XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my XXXX XXXX  property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief.

I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Product: Credit reporting or other personal consumer reports

We have been customers with XXXX for 15 years paying all bills on time. 2 years ago or more we stopped using their card. We ended up with a charge on the card that we werent using and were not aware of this. I never received a statement showing me a balance or to my knowledge a phone call. The charge was {$120.00}. We received a letter in the mail from XXXX  in XXXX, after not recovering anything from them I thought it was odd. I opened it to find out that there was a charge and past due fees that I think totaled about {$300.00} and that it had been sent to collections. When we called about it we were advised to settle on a balance and that if we paid that balance it would not show up on our credit report. In XXXX I tried to consign for a student loan for my son and that delinquency was on my reports. Therefore no loan given. When we called XXXX  they said it is out of their hands its up to the credit people ( trans union ). When we call trans union they say its up to XXXX. We had been customers for 15 years with XXXX. We were never late on a payment. If I wouldve known there was a charge of XXXX I wouldve paid it but I didnt received anything saying I did. So I would like this off my credit report since we were advised to settle. If not I would like to pay the rest of what we owe and get it off our report.
Product: Credit reporting or other personal consumer reports

Hi, Trans Union is constantly violating my rights & continues to report false info on my credit report that is against the law. VIOLATION of my rights. XXXX XXXX XXXX Section XXXX A States I have a right to privacy. Also U.S.CC XXXX A XXXX XXXX a consumer agency can not furnish an account/inquiry without my written instructions. I have no protection with Trans Union, I continue to be a victim of ID theft. I did all the necessary steps to show these are fraud inquires. & the companies never verified they pulled my credit report, the companies never got back to trans union nor me. & had 30 days & therefore these fraud inquires should be removed ASAP. I sent trans union a letter, with my ID & Social S. XXXX XXXX XXXXXXXX & they still ignore & say the inquires are validated, when they are not. These fraud inquires are hurting my credit & stopping me from getting the best rates when I buy a home in the near future. I also filed a complaint with the BBB against Trans union. I appreciate Trans Union honoring my requests of immediately removing these XXXX fraud inquires : BANK 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