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

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft DEPTEDNELNET Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.
Product: Other financial service

After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.
Product: Credit reporting or other personal consumer reports

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

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

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

XXXX, TransUnion, XXXX Things on my credit report I did not authorize and didnt signed for, neither one of non-credit bureaus have allowed things to damage my credit score.

XXXX XXXX Credit Type Open Account Open Since XX/XX/XXXX Ownership Individual Current Balance {$520.00} Highest Balance - Remaining Term 48 months Monthly Payment - Loan Progress Youve paid off {$0.00} of your Loan. 
{$0.00} Highest Balance : {$0.00} Payment Details Last statement - Last payment XX/XX/XXXX Payment status Collection/Chargeoff Contact Information Lender Name XXXX  XXXX XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Phone Number XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1200.00} Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1000.00} Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX This debts I never signed for or authorized in anyway by my ( signature ), I need to see every one of these debts with my signature on it.

15 USC 1681 ( a ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

28 USC 1746 18 USC 8
Product: Mortgage

Ok we started a modification in XXXX of XXXX  right from the start we were ordered to make all these additional payments totaling over XXXX before we got the loan modification now price if wgere it went they said corporate fees and late fees ( never late one time ) now our monthly payment is going up so much we are gon na be forced to declare bankruptcy we had to have our children move in to help keep our payments current dont matter still there stating corporate fees and late fees I feel because we are seniors they are taking extra advantage of us Please help before they get our house, also there is hundreds if not thousands of people with all the same issues on The same problem s they are having with Selene finance
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and descriptive, 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 violations.
Product: Credit reporting or other personal consumer reports

I received a letter stating my personal information was compromised and data leaked appeared.

Upon reviewing my annual credit reporting findings included Incorrect personal information, addresses, telephone numbers, collection debts with incorrect invalid information affecting my credit. 3rd party agencies accesi g my personal information.

Due to the data leaked appeared my information has been exposed to the dark web.

I am a XXXX XXXX  head of household and this violates my privacy and XXXX XXXX XXXXncluding affecting my ability to buy a home etc.

21 results found my personal information leaked to other sources including the dark web which includes my SSN!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX conducted an unauthorized hard inquiry into my credit reports. I did not inquire on any loan in XXXX of 2018.
Product: Credit reporting

well I have a big issue with the information in my credit report. when any agency run my credit, always appear an address in Texas that I never been and a social security number that is not belong to me. also says that I work for I design compsany and I am the owner. 
I send letters already to the credit agencys and copys of my identity and XXXX do not have record of my credit and information, transunion send me a copy of my credit history and it shows a social security numnber pthat is not mine, and equifax it shows an address in Texas that I never been and a tottaly diference a social security number than XXXX. 
in fact, XXXX in my report shows the only last XXXX number of the social, but equifax report shows the complete SSN. I do not have a Social security number XXXX only have a Tax ID Number. the credit agency says that I dont exist in their system because I have a Tax ID Number, so how the can report private information from sombody else in my credit report.
Product: Checking or savings account

This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX  check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.
Product: Mortgage

we have house mortgage with State bridge company, as recently due to COVID-19 i have lost my Job. I have reached out to the Mortgage company to keep the payments on hold per the recent announcement until the pandemic resolves. But the Mortgage company ( state bridge company ) rejected my request as the investor on my loan is private investor. they have suggested to hold untill couple of payments but not untill the COVID-19 pandmic ends. I would request CFPB help us in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my Experian and noticed there was a few errors on my file Personal Information the following is wrong XXXX XXXX XXXX, XXXX XXXX XXXX are not my names Telephone Numbers listed are no good 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 Spouse is wrong also it has nothing XXXX
Product: Debt collection

I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.
Product: Checking or savings account

My cashapp account was XXXX XXXXXXXX Social security number associated w my account XXXX My account was closed in XXXX  and I never received my money back I had over {$500.00} in my account and they took my balance and closed my account and said my account was fraud after I had it for XXXX  years. 

I no longer have access to my email associated with my account which is XXXX My new email is XXXX XXXX XXXX
Product: Checking or savings account

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, I would like to inform a letter sent from your company, Bank of America, addressed XXXX XXXX XXXX XXXX XXXX XXXX I have contacted with the customer service ( XXXX ), which was indicated in the letter, and found out unable to gain the necessary information to understand the case number XXXX regarding an account ending in XXXX. Upon checking my account of your company, Bank of America, I could not find out the case number itself ; therefore, I have decided to contact with you. Since this card is not credit card of your company, I would like you to make clear the reason why this letter mentions about the dispute of this case number. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ,
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aaccount opened At premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XXXX XXXX 2024XX/XX/year> I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, including consumer reporting agencies for any purpose, other than those necessary to provide me with financial products or services. I provided this opt out notice, accordance with the legal requirements outlined in 15 united state code 6802, and I have retained documentation of my communication with the institution. Despite my explicit opt out request and my clear assertion of my rights under the Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for Identity theft fraud, or other financial harm. I kindly request that the consumer, financial protection bureau, investigate this matter thoroughly and take appropriate actions to ensure that XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by XXXX please feel free to contact me via email at XXXX If you require any further information or documentation to proceed with the investigation, I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX  Credit Bureau to remove the Hard Inquiry from my file and complaining against a company called CREDCO for making an unauthorized inquiry into my credit file ( s ). On XX/XX/2020, my XXXX credit information shows that a company named CREDCO made a Mortgage Inquiry by checking my XXXX    Credit File ( and most likely that at the other two reporting bureaus ). Experian advises that this inquiry was a hard inquiry. I don't recognize authorizing that company to run my credit for a Mortgage application. I am also afraid that this could be an attempt at identity theft because  when I called the company 's phone number provided in XXXX   online platform, the number appeared to be invalid. 

CREDCO 's information as seen in XXXX  's online platform : CREDCO, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was issued a credit card from XXXX about a year ago. I was approved for a credit limit of {$9500.00}. I paid more than my minimum payments that were due for most of the year without ever being late. I believe my balance will reflect that I paid more than the minimum amount due within the year I had my card with XXXX. 

About 3 months ago, XXXX sent me an email asking for personal information regarding my income taxes. I thought it was kind of suspicious, seeing that I had been my all of my payments in a timely manner. 

They sent me the email and before I could respond to their request, within a few hours, they blocked my credit card. They never even gave me a chance to respond before initiating a block that caused me unnecessary inconvenience and embarrassment, as I had tried to use my card in the interim. 

Since they have blocked my card, I have made 2-3 timely payments and they informed me they were closing my account. Needless to say, this has affected my credit in a negative way even though I have never been delinquent with XXXX. 

I believe this is unfair because had they given me time to respond, I would have and we would never have had an issue. I did get very upset and was very slow and never did respond to their request for more information because I felt I was not being treated fairly. 

Please let me know if there is anything you can do to offset the already published views of my other creditors for being cast negatively, even though, I have never been late with this or any of my credit cards.
Product: Debt collection

Notice of Dispute Provide the original contract for Account # XXXX.
Product: Debt collection

This debt is OLD. Resulting from no payment since XX/XX/2009 with XXXX more than 7 years old. 
Should drop off by now.
Product: Credit card

I had ordered a jacket from XXXX off XXXX, the jacket showed delivered but I never received the product, so I ordered an exact replica and reached out to the merchant, who declined the refund, I reached out to the merchant multiple times and they would not refund without giving any explanation. So I reached out to my credit card Goldman Sachs apple card and they started an investigation but soon came back and without giving any evidence told me that its denied, since then I have disputed this amount 4 times and today it came back again. Furthermore there is a {$960.00} charge on the card which I absolutely did not make and Apple card has zero information on that transaction, whether what the product was where was it purchased and where is the receipt in my apple account? no answers to that just declining the dispute again and again. I am at my wits end with spending several days trying to get this resolved. Finally I am asking the government to help please.