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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and I notice that some of the information reported was incorrect. i contact the creditors and the credit bureau and asked for any information bearing my signature. As of today I have not receive any documents with my signature on it. Please help me with these issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Product: Credit reporting or other personal consumer reports

Dear CFPB, Transunion Credit Bureau continues to report my credit files as delinquent from XXXX XXXX. XXXX XXXX sent me a letter in XX/XX/2024 and advised me that the company was in error of reporting me delinquent and XXXX XXXX advised me that they would correct this error with all three Credit Bureaus. I also sent a copy of the letter to TransUnion. In XX/XX/2024, Transunion continued to report me delinquent in which my credit score drop significantly. 

Kind regards,
Product: Money transfer, virtual currency, or money service

I use Coin base to transfer my big coin 's and for some reason they made my bitcoin vault negative XXXX $ and they need to reset it to XXXX I can not withdraw any of my funds
Product: Debt collection

Paid the debt on XXXX XXXX. Still reporting to .y credit report. 

National credit audit. 


Original creditor XXXX XXXX XXXX {$1700.00}
Product: Credit card

Comenity Capital Bank credit card was opened from the XXXX XXXX by a company " IXXXX XXXX XXXX '' that was doing business as XXXX XXXX XXXX XXXX. Card was opened and charged {$4500.00} while we were on vacation in XXXX XXXX for a " membership '' in XX/XX/XXXX. 
We found this " membership '' was fraudulent upon returning to the XXXX from XXXX XXXX, starting XX/XX/XXXX to XX/XX/XXXX. We were not given full written details of this membership until that date of XX/XX/XXXX. After learning that the membership was nothing like we agreed with the original sales representative, we asked for a refund and to cancel this membership. This is when we were told that there is no option for refund and no option to cancel, unless we didnt continue paying the monthly price for this membership up to the full amount of {$22000.00}. This is why we disputed the accounts opened with Comenity Capital Bank on XX/XX/XXXX.
Product: Mortgage

I received a response ( attached ) stating that the 90 day past due credit reporting on my mortgage loan ( under XXXX XXXX and XXXX XXXX ) on address XXXX XXXX XXXX XXXX XXXX NV XXXX was not going to be corrected because our partial claim was not received until XX/XX/XXXX. My initial application for a partial claim was submitted on XX/XX/XXXX, Essex mortgage switched servicers and it took over a month to even get the process going all over again. I had to send additional information because they took too long processing my application. I had to email and call several times and was given the run around about the status of my loss mitigation application. The delay was theirs, not mine. Pls see correspondence showing how many times I contacted them, and the fact that they had given me incorrect and incomplete information many times to the point that I had to put a complaint on here to even get help. 

I have attached the initial response where I indicated I was not being treated fair or timely and their response. 

I also need to know why my partial claim is approx XXXX but Essex mortgage also received XXXX HAF funds? Where is that money how was it applied? That is XXXX in funds. Please provide me with this break down.
Product: Credit card or prepaid card

A rep by the name of XXXX advised me there is a credit balance in the amount of XXXX on my account with Continental Finance LLC, I do not have account number available to me as account is closed. A payment in the amount of XXXX was mailed on XX/XX/XXXX which covers the statement balance of XXXX. Today, XX/XX/XXXX, XXXX advised me I am due a credit in this amount, fees were credited back prior which covers the balance. If this information is correct, I am owed a check in this amount.
Product: Debt collection

On XXXX XXXX, XXXX and XX/XX/XXXX I send out two debt validation letter to CAC Financial Corp in the amount of {$1000.00}. This company have not responded to my letter. However, this is not my debt.
Product: Debt collection

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent accounts to my consumer report that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

i'm complaining about Transunion! They won't help me with anything to improve my score. This is stoppeng me from finding a new place to rent. please help my family and I are going to be homeless if this cant be fixxed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporter Act, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax several times with multiple disputes that were closed as successfully fulfilled and no action to suffice the problem was taken. 


I ( upon signing into Equifax to view my report ) am not able to access any information..that being any information from ( CREDIT REPORT- Drop down tabs ) - summary tabs drop down, person information, revolving accounts, mortgage accounts, installment accounts etc., - Everything is showing XXXX ' and no data. 

When I click the 'Credit Report ' tab it's displaying the same credit score since XX/XX/XXXX and it's likewise stating the last update as of XX/XX/XXXX and last credit score update XX/XX/XXXX Recently Equifax ( through means of XXXX XXXX  ) reduced ( deducted XXXX points from my score ) due to a decreased credit card balance. 

In this case of a decreased balance Equifax SHOULD NOT have reduced my score. This violates every Consumer protection law as with those in connection with the FCRA.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to pull my consumer report or to open any accounts in my name. This is identity theft. Please remove all the attached items.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was offered Kroger Rewards Prepaid VISA from Kroger through my Kroger Rewards App and I accepted. Im not sure of the exact date I received it but it was a few weeks ago.Shortly after I activated the card, put money on the card.The card was locked. I called Kroger to find out the problem and they said I need to verify my identity.So I did exactly what they said and faxed my information and they said they couldnt read it. I faxed a second time on XX/XX/2019.They couldnt see it even though I got confirmation.So on XX/XX/2019 I faxed another copy of my information. I called and they said they still couldnt verify anything. I have seen lots of complaints about people having the same issue.It feels as if they want me to just give up my money. Ive been dealing with this for a couple of weeks now and I dont believe that I will get my money back.These faxes are costing me money out of my pocket to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A ONGOING SITUATION I HAVE FILED EVERYTHING WITH THE PROPER AUTHORITIES FTC, XXXX POLICE, CFPB, AND XXXX. MY PERSONAL INFORMATION WAS COMPRISED AND SOMEONE WAS USING MY ID AND SS TO OPEN ACCOUNT AND UTILITIES IN MY NAME. I HAVE NOT LIVED IN XXXX OHIO IN OVER 10-11 YEARS. XXXX AND XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has caused me adverse action by telling XXXX XXXX XXXX  and XXXX XXXX XXXX  that I do not have a credit score. Equifax has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a XXXX XXXX loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because Equifax gave the companies inaccurate and unverifiable information.
Product: Credit reporting or other personal consumer reports

Ive had a fraud alert on my credit profile for a couple months now and I am still getting hard inquiries to my credit report. I have no knowledge of any of the hard inquiries on my credit report, which is a result in identity theft.
Product: Credit card

On XX/XX/year>, I paid XXXX XXXX XXXX {$490.00} for approved office visit. I applied for XXXX XXXX with my credit card company, US Bank. It was approved. On XXXX, 2024, USBank charged a duplicate debit on my account. The same day, they credited my account for the same amount- {$490.00}. This credit only refunded the duplicate charge by US Bank. They are calling this the XXXX XXXX loan. I called US Bank, talked to a representative and a supervisor. They insist that the credit is the loan- it is clear that the credit only offset the XXXX charge made by US Bank.
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 ). Specially, Cash App failed to take a 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 the 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 in this matter.
Product: Credit card or prepaid card

I have 3 months of outstanding payments with a Citibank Credit Card. They've been calling me at least 4 times/daily. I haven't answered the calls since I'm not in the financial situation to arrange any payment plans. Their repeated calls are a harassment.
Product: Credit reporting

I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.
Product: Debt collection

XX/XX/2022 HUNTER WARFIELD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for HUNTER WARFIELD From : XXXX XXXX Regarding : Unauthorized Administration of the XXXXXXXX XXXX XXXXXXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Product: Credit card

I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.
Product: Credit card or prepaid card

In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and transunion are in violation of 15 usc 1681b ( a ) ( 2 ) I the consumer never gave neither consumer reporting agency written consent to report anything on my credit report I have asked they remove these inaccuracies off my account they have not and are breaking the law.
Product: Credit reporting or other personal consumer reports

I value your help to remove a portion of the data in my credit file that came about because of a Fraud yet I have an items passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ( Original Creditor : XXXX ) XXXX Balance : {$540.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX  XXXX Balance : {$380.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance XXXX $ {$4900.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

last year around XX/XX/2018-XX/XX/2018 an account with capital one quicksilver account was shown to be delinquent/ charge off on credit card which was incorrect. the information that i receive in an billing statement showed where the payment was suppose to be mailed to ; which i followed then all of a sudden the account never was updated as being on-time, i spoke with the region supervisor about finding out if someone was fraudulent about updating my account. no, response occur over the duration because i had to contact the post office to see where the mail was delivered on time, and contact XXXX XXXX  to put a trace on the money orders which took 3months to complete!! 
capital one was hesitant instead and wanted myself too pay off account which was due {$300.00}. i said i would like to know where did my payments go and why did they not inform myself after the 1st payment was missed? they did not elaborate any more about my account and closed it without my consent or nothing. it was shown being charged off, then paid off 3months later.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX, 2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX, account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a credit account on my report that doesn't exist. I called XXXX and provided my social security and no records were found yet they have a negative account reporting on my Experian credit report.