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

On XX/XX/2022, I went to XXXX 's XXXX in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The XXXX XXXX XXXX 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank XXXX XXXX XXXX  ) approved my credit limit of {$1000.00}. This credit represented a personal XXXX 's XXXX credit card. This credit if for shopping in this store and XXXX only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in Transunion credit bureau because of this credit card application. I make a phone call to Transunion and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to XXXX 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that XXXX XXXX  is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call Transunion, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the XXXX 's XXXX 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
Product: Student loan

I have previously disputed my student loan due to the inaccuracy of debt amount being reported and the numerous debts too. I want validation and verification as to the amount in dispute and validation for the numerous multiple Navient loans which is being reported. I have not taken out this many loans ever. Please delete these account immediately as it is in accurate in amount along with the these accounts are being reported multiple times on all three of my credit reported. If for some reason the account is verified and validated, please send me the name of the person who provided the information and the method in which it was investigated. In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] "
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Product: Credit reporting or other personal consumer reports

Dear Exeter Finance LLC, Request For Account Deletion : I hope this message finds you well. I am writing to formally request the deletion of my closed account with Exeter Finance LLC The account details as followed. 

Exeter Finance LLC I understand that the account has already been closed, and paid in full. I would appreciate it if you could proceed with the complete deletion of all associated data and submit a request for deletion to all credit reporting agencies. 

If any additional information is required to process this request, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Best regards
Product: Vehicle loan or lease

My finances have been affected by covid. I need a payment extension.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX, XXXX and Experian are so disorganized and does not pay attention to the Laws governing each state where they have mortgages. Florida is a XXXX XXXX for starting a foreclosure and must be recorded with the XXXX XXXX XXXX. No foreclosure proceeding where ever started XXXX XXXX XXXX since I filed for a hardship mitigation which was approved. I sold the house after disagreements surrounding the title which again their arguments where invalid under Florida XXXX. XXXX XXXX is ignorant of local laws regulating mortgages. 

I had such an issue with them all the way thru for a year until I sold the house. Now a year later after I sold the house XXXX XXXX entered a foreclosure on my credit reports. Clearly it is retaliation for the problems I had with them. 

Well this entry on my credit report for the start of foreclosure is against the XXXX XXXX XXXX and the FRCA. I will file a federal lawsuit if they persist. See below letter sent to them. I will also send to all the credit reporting agencies. 

Subject : Dispute Regarding Incorrect Foreclosure Reporting on My Credit Report. 

Dear Sir/Madam, I am writing to dispute the foreclosure information that has been inaccurately reported on my credit reports. The details in question pertain to my mortgage with XXXX XXXX under account number XXXX. 

Florida is a XXXX Foreclosure XXXX : As you are obviously unaware, Florida follows a judicial foreclosure process. This means that any foreclosure action must be filed through the court system. However, there has been no record of the start of foreclosure filing at the XXXX XXXX XXXX XXXX related to my property. 
False Reporting : Despite the absence of any foreclosure proceedings, my credit report indicates otherwise. This false reporting is damaging my XXXX XXXX and financial reputation. 
Request for Correction : I kindly request that you promptly investigate this matter and correct the inaccurate information on my credit report. Specifically, I ask that you remove any reference to foreclosure related to my XXXX XXXX mortgage. 
Federal Lawsuit : If this issue is not resolved satisfactorily within a reasonable timeframe, I am prepared to take legal action. I will file a federal lawsuit to enforce my rights under the Dodd-Frank Act and the Fair Credit Reporting Act ( FCRA ). 
Proof of XXXX : The XXXX XXXX XXXX XXXX XXXX XXXX ran a search and there is nothing filed related to the subject property. This confirms the absence of any start of foreclosure proceedings. 
I appreciate your attention to this matter and expect a response within 30 days. Please provide written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Mortgage

In the process of a home sale - the buyer 's title search discovered separate entries for the original mortgage with Bank of America as well as a 2nd mortgage ( home equity ). All communication with Bank of America throughout the life of the mortgages ( they were bought from Countrywide ) were in reference to a single account owed which  included the original mortgage ( XXXX ) and the home equity ( XXXX ) consolidated into one.

Once discovered the multiple mortgages filed with the country we have tried to get this resolved with Bank of America who have expressed multiple times that there is a singular account to be owed and that there must have been a clerical error in which the consolidation wasn't provided to county and that XXXX  is owed on that 2nd mortgage. We ge
t a claim number and the case keeps getting closed with new payoff letters that just address the singular account.

The math is simple to prove that the account is the combination of both the original and the home equity. 

XXXX original mortgage XXXX 3 years of payments of approx XXXX/month XXXX - home equity XXXX ( XXXX to homeowner plus closing fees ) - new mortgage filed XXXX Clearly the amount owed prior to the home equity was approx XXXX and the new amount brought the mortgage owed to XXXX. 

The inaction of Bank of America to rectify this bookkeeping error has held up a home sale that is needed in these tough economic times. 

We have agreed to close on the mortgage that Bank of America acknowledges and hold the XXXX in escrow to protect the buyer while we settle this but that isXXXX profit that is needed and owed. 

We need help getting Bank of America to issue the proper XXXX balance on that 2nd mortgage and acknowledge the obvious that it was consolidated.
Product: Debt collection

I have reached out to the debt collection agency Sunrise Credit Services in regard to the account XXXX and them attempting to collect a debt that is not mine. I have requested proof of ownership as well as a signed purchase agreement over four months ago and they have yet to provide me with the requested information. They are reporting a debt that is mine and that is the result of fraud and identity theft. I have no knowledge of this referenced account, and it should be removed immediately.
Product: Credit card

My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.
Product: Checking or savings account

I am writing to you regarding an ongoing issue I have been experiencing with Cash App. Over the course of the past year, I have had fraudulent charges and unauthorized transactions totaling over {$3000.00} on my account. I have attempted to address this issue with Cash App on multiple occasions, but to no avail. 

I have contacted Cash App through their customer support channels numerous times, and every time I receive the same response of " looking into it. '' I have filed disputes with Cash App, but they have been denied without explanation or resolution. Despite my repeated attempts to get this issue resolved, I have not received any assistance or correction from Cash App. 

In addition to the fraudulent charges, I also had bitcoin sold from my account without my authorization. This has caused me significant XXXX XXXX XXXX XXXX, and I have been left feeling helpless and frustrated by Cash App 's lack of support. 

As a loyal customer of Cash App, I had always trusted that my account and transactions were secure. However, the ongoing issues with fraudulent charges and unauthorized transactions have shattered that trust. I am deeply disappointed with Cash App 's lack of action and communication regarding this matter. 

I urge Cash App to take immediate action to address this issue, provide a resolution to my disputes, and take steps to prevent similar incidents from happening in the future. I believe that Cash App has a responsibility to protect its customers from fraud and to address complaints in a timely and effective manner.I feel others are being taken advantage of and utilizing this company has defrauded. millions of consumers of finances. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol one has XXXX hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with capitol one. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Mortgage

It has been 10 weeks since I applied for a mortgage loan with PRMG. We have gotten nothing but the run around. My file was escalated to the branch manager, who told me I had been denied due to collections. I informed the branch manager that was wrong, and provided evidence to prove I do not have the number of collections he said I did. Branch manager never returned my call. My file was then escalated to the VP and he was able to remove my file out of the denial state and told me they would be working on it. Now we are dealing with the underwriter not calculating the condominiums association reserves correctly. My realtor along with the condo association has provided the lender with all the information needed for them to correct their calculating mistakes, and still nothing has been resolved. This has gone on long enough. I feel like PRMG has not been honest, this closing could have been done weeks ago. Both myself and the sellers patience is running extremely thin, and no one at PRMG seems to care too much to get a closing on this file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XXXX XXXX XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX 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 an 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 reporting or other personal consumer reports

I was contacted by both Citibank and credit monitoring services that an inquiry was made by Citibank on XX/XX/year>. There was an application filed for a new credit card, which I did not make. Citibank denied the new card, but reported the inquiry to the credit bureaus. I have tried repeatedly to get Citibank to reverse the inquiry as it was fraudulent. No one i've spoken to at Citibank has any information on who can do that. I was told by Citibank to report a dispute with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

my business applied for credit under my business name and XXXX and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1
Product: Credit reporting or other personal consumer reports

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX Bank XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my XXXX XXXX.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT MY CREDIT REPORT AND IT SHOWS ON MY ACCOUNT THAT I HAVE LATE PAYMENTS. THIS INFORMATION IS INCORRECT BECAUSE I HAVE NEVER BEEN LATE ON MAKING ANY PAYMENTS ON THIS ACCOUNT
Product: Vehicle loan or lease

Santander never informed me they charged the vehicle off back in XXXX or XXXX but kept harassing me and my husband threatening to repossess the vehicle. One representative stated they want the full balance no payment installments or they will come take the vehicle. I reached out the Santander a numerous amount of times through the online website in their chat but no response until months later. When I finally spoke to someone, she told me the car was in the fraud department. 
I answered plenty of calls and they threatened to take the vehicle but did not ask for proper location status. Instead, they attempted to collect a debt so they are in violation of this 15usc 1692b ( 2 ).

They are also in violation of 15 usc 1692d ( 5 ) with the harassing phone calls. They call all times of the day and night. If I miss the call, they call back to back and call my husbands phone harassing him. If yall charged it off a long time ago why keep calling and then saying we are trying to locate the car could you tell us where it is. Knowing where its at. 
The representative was very unprofessional and discriminated against me in several phone conversations. She said to me they gave you a car without having a job mm thats XXXX and I said wait excuse me, then she said well you have to pay this and that. 
There are a numerous amount of violations when it comes to this company.
Product: Credit card

On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.