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

To whom it may concern, Ive sent documents to credit bureau and have police reports and photos and documentation of information incomplete and added multiple times to my credit report, it clearly shows that company 15 times on several occasions with different accounts. Please assist with this issue. 
XXXX XXXX XXXX XXXX XXXX Tx and letter sent for Disputes and updated and accurate information for my personal report. 
Disputing Inquiries, Collection ( trade that are incorrect, Fraudulent, Incorrect or Paid family members crest, misspelling, inquiring. 
Update all documents and personal information, address, name, phone, work history. 
I am writing to dispute the following information in my file.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  {$490.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX was in XXXX  i have no knowledge of these account i demand this be removed ftc report number XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am very upset with this issue. I sent a letter to CAPITAL ONE last XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

I called Nelnet on XX/XX/year>XXXX XXXX XXXX XXXX XXXX and discussed with a customer service representative my issue. Great Lakes Student loans has since dissolved their website and phone number and I am unable to request any payment or balance information from them. I informed the representative that the balance they had on file was incorrect and was ~ {$1300.00} more than what I remember the balance being with Great Lakes. I requested a full payment history from the previous borrower ( Great Lakes ) and information on the balance at time of transfer. I informed them I would not make a payment until the balance was confirmed. I never received any mail, emails or correspondence with the information I requested. Today I noticed that a 90 day late notice was reported to the credit bureau 's and no 30 or 60 day notice was reported. This has negatively impacted my credit score to the point where I might not be able to qualify for a mortgage loan. Nelnet has stated that they will not perform any " Goodwill Requests '' and hence my credit score can not be corrected. I feel like I should have been given due process to contest the error before any negative credit reporting was sent out.
Product: Checking or savings account

I requested a wire transfer of funds out of my account to another account owned entirely by myself at a different bank. Citibank restricted my access to my account so I can only interact with the account by telephone through citi XXXX department representatives. This began at the end of XX/XX/year>. Citi provided a XXXX day timeframe for them to complete their fraud review and to close out the account and return funds to me. Upon XXXX  days I was informed they do not have additional information to provide me and they have no further timeframe for resolution. I was told specifically by citi representatives on a recorded call that they verified the account I was transferring to was an account created and signed by myself only and no other people. It is now over XXXX  days since citi restricted access, over XXXX  days past the quoted timeframe to close the account, and citi has not returned funds. The citi representatives have told me they do not intend to pay interest to me on the funds that were in a savings account, and so the bank is causing monetary damages to me by restricting access to my funds. I am seeking immediate return of the funds plus interest on the funds for the date the account was funded until today ( or the date the funds are returned to me after account final closure ). I have received a tax form for interest accrued on the account in 2024. Citi is not providing access to the funds + interest, but has reported to the government that I was paid interest on the funds which are taxable. I have received no funds or interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail to TransUnion and XXXX credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : FCTUALDATA XXXX FD/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Product: Credit reporting or other personal consumer reports

I recently had a chance at review of account activity for XXXX XXXX XXXX XXXX which still reads inaccurate nothing was done at fixing lies false bad business practices and disparities. I will continue disputing this matter w/Experian and all other 3rd party affiliates experian credit match. You all are mistaken me with someone else ; who made a recent payment of {$36.00} as of XX/XX/24? Please tell me I'm really interested in knowing how the account remains open because I never had a card for {$5000.00} again the only credit limit I had was for {$3500.00} which was paid off and the account was closed by branch manager. We still going in circles over the same if not worst scenario.
Product: Credit card

Applied CapitalOne XXXX card under the advertisement XXXX back after spending XXXX bonus offer Spent the required amount but didnt receive bonus, called in XXXX  CapitalOne depts for assistance but got nowhere Phone Agents said have bonus offer reneged due to capital one claiming I applied for card that did not have the offer attached ( which is false because I only wanted card for sign up bonus offer ) Wasted a credit pull and caused budget problems This is very shady and essentially bait & switch, screwing over long time customer
Product: Credit card

I was scammed in XXXX I informed paypal credit of the problem and filed a dispute. Paypal found in my favor and within 3 weeks posted new debits back to my card for same amount. I asked why they said they don't know, all the information I provided to them they said they don't have and After numerous requests have sent me nothing showing their investigation. I have sent copies certified mail so they can't say they don't have my information. They are a pain XXXX XXXX XXXX and stonewalling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Product: Credit reporting or other personal consumer reports

These late payments don't line up with my usual payment pattern, which has always been reliable.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent written instructions expressing my decision to opt out of having XXXX/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. XXXX, XXXX, and Exquifax are unaffiliated third parties to XXXX/DEPT OF ED. XXXX, XXXX, and Exquifax have no right to post incomplete information furnished by XXXX/DEPT OF ED that I have previously disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notification from XXXX XXXX stating that Toyota Financial Services had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX, my electronic virtual mailbox system through IncFile notified me that I had received a Right to Cure letter from Toyota Financial Services. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my XXXX XXXX.
Product: Mortgage

My mortgage with XXXX was sold to Loancare LLC ( XXXX ID XXXX ) when XXXX went bankrupt for the second time. I received a letter from Loancare which said that my account would be ready for registration on XX/XX/2019. 

It is now XX/XX/2019, and the Submit Button for LoanCare 's account withdrawal payment option still isn't working. I do, however, have a loan number. 

Is Loancare LLC REALLY in business? It's website does not supply an email address. It's website does not provide a webform which borrowers can use to make an inquiry. Loancare 's  customer service phone lines are SERIOUSLY understaffed. It's payment setup doesn't work. Callers can't ask for a callback. 

I spent from XXXX today XX/XX/2019 on the phone listening to the same two phrases of a piano piece ( and one other piece of music ) repeat ... ad nauseum. 

At XXXX Pacific Standard Time/XXXX Eastern Standard Time, when LoadCare closed for the day, my call was terminated. I never DID learn whether the extra payment XXXX received on XX/XX/19 will be forwarded to LoanCare. Nor did I succeed in setting up payments A WEEK AFTER MY ACCOUNT WAS SUPPOSEDLY READY TO SET UP LOAN PAYMENTS. 

Right now, it's easy to foresee a scenario where Loancare 's  understaffing and poor administrative processes diminish MY credit score. That's scary. 

See XXXX XXXX XXXXXXXX ). Whoa! 

I'd hoped to setup auto payments two times/month ( in an effort to reap some interest savings ). Now what? This story does not reflect well on LoanCare , LLC. I'm not sure it reflects well on the CFPB, either. Was the {$100000.00} fine a mere slap on the wrist, or enough money to motivate LoanCare to change it's behavior?
Product: Student loan

I have been making payments for several years on a consolidated parent PLUS loan, serviced by Nelnet. Most months I pay more than the required minimum, however my statements show 100 % of nearly every payment goes to interest and nothing to principal. Ive asked how I will ever pay it off if its all treated as interest only payments? They just said thats the way they have to do it. Im supposedly on an extended payment plan so I asked for an amortization schedule. All they sent me was something showing my loan amount and amount of monthly payment, I dont think the personnel Ive spoken to and emailed even know what an amortization schedule is. Im thoroughly frustrated trying to get this information. I even asked them where I can file a complaint about Nelnet and they ignored my request-I cant find it on their website either. Im pretty sure if they are servicing federal student loans they have to provide information about how to file a complaint. I had to research it myself and found this website, so Im hoping to get the assistance I need.
Product: Checking or savings account

Hello, This is a statement I am writing in regards to my Robinhood account that was restricted out of nowhere, without warning, and now I can not access any funds or commit anything. 

My debit card with Robinhood has also been restricted, I have been blocked off of my cash in my brokerage and cash account for Robinhood and I have no access to it whatsoever. 

Robinhood account associated with the issue : email : XXXX phone : ( XXXX ) XXXX
Product: Credit card or prepaid card

I am not able to activate my reliacard because the records at usbank have the wrong date of birth. Texas Work force commission had the wrong DOB because the person taking the information from me typed the wrong date. When I was finally able to talk with a real person they said I need to confirm my DOB by submitting a copy of my drivers license. I was told I could submit it at verify.usbank.com/id I found no such location on the internet. USBank is not set up to deal with problems. I have tried calling back and the computer system either does not accept my response ( entering a number ) or goes to the next step too quickly. I was able to correct my DOB with Texas Work Force but it is proving to be an impossible task to do with usbank because you only get to talk with a computer. Why can't people talk to people anymore? How do I get to talk to a person with usbank again and how do I get their records to have my correct DOB?
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX  whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my XXXX XXXX, pay for XXXX  or for XXXX on my own because of Chime will not give me access to my XXXX money. 

On XX/XX/2022, I opened an account with Chime XXXX XXXX. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. 

On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my XXXX XXXX XXXX XXXX XXXX after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed XXXX conference calls to Chime customer service to have this issue resolved. 

Please, Please help me get my money back. This XXXX  has been delaying the XXXX XXXX XXXX that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.