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

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to fraudulent activity linked to a data breach. As a victim of this breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries removed from my credit file. 
The following accounts should be blocked and deleted : Accounts 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 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 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 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I am fuming over this. I had a Dillards American Express for years from back when I worked there, they paid us on it. Anyway, unfortunately I kept a balance on it until XX/XX/XXXX when they closed my account over late payments. I paid it off after that and did n't worry about it, until I went to my credit report and saw they marked me as XXXX late payments and closed my account, hitting my credit score hard. I then went back though some of my statements in XX/XX/XXXX, and I saw they charged me : Mind you, my payment was due on the seventh of each month XX/XX/2016, {$25.00} late fee, when I paid on XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX I called them after I researched it and they said in 7-10 business days I 'd have a check for the {$95.00} total. I waited, nothing. I called last week, they said 1-2 more days, I waited, I called tonight ( I work XXXX ) and they said it was just getting to research since they 'could n't see the fees ' and that I should call them in a week. I contacted my credit agency and filed a change for the late fees, and it was resolved.
Product: Credit card or prepaid card

I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice there has been a charge off closed account on my credit report that's closed, but currently reporting active payments which has harmed and neglected my credit profile charge off accounts shouldn't be reporting any accurate payments .I 've tried reaching out to this company regarding this issue as well as the lender and I've not had a successful chance with resolving this Charge Off -XXXX XXXX XXXX XXXX XXXX XXXX \DATE OF CHARGE OFF XX/XX/year>XXXX  CHARGE OFF AMOUNT {$16000.00}
Product: Credit card

My Account was comprised back in XXXX. I completed disputes with Navy Federal regarding unauthorized transactions. There were serval unauthorized, along side two cash advances and received credits for all. My fraud claim was honored and credits were supposed to be applied and stay on account. 3 months later two of the cash advances were denied via my online banking account. One for {$990.00} on my go rewards and {$1000.00} on my cash rewards. When calling Navy Federal and speaking with several supervisors no one can seem to tell me why the credits were reversed and why I should be responsible for fraud cash advances that I did not do. When speaking with one supervisor they stated the money never left Navy Federal but somehow its showing on my statements that Im responsible for payment on the unauthorized cash advances. I have went over statements and no one seems to know why or what happened. I was issued a provisional credit for both cash advances that they stated never left navy federal but credits were issued that they also said should not have happened. They are stating that they went to get the funds and couldnt retrieve them. As I told them several times I never received any moneys. That there workers automatically applied the credits. This has been going on for two weeks now no answers my credit cards are drawing a 18 % interest rate and me and my authorized user are trying to buy a house and this is affecting our credit. I have reached out to everyone at Navy Federal with no honest answers as to whats going on with our accounts. I have been with Navy Federal for over 10 years and cant believe they are not honoring their policy and putting the customers first and protecting my money not once but twice and putting me responsible for payment of unauthorized transactions when my entire bank account was compromised.
Product: Debt collection

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Mortgage payment increased $ XXXX with insufficient explanation ( different explanation w/different reasons )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, XXXX, & TransUnion which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged DIVERSIFIED ADJUSTMENT - XXXX Unknown - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the discover account and they put back on the XXXX XXXX  account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Equifax and XXXX inaction violates federal law and my rights as a consumer.
Product: Bank account or service

I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.
Product: Debt collection

I purchased a dish washer from XXXX in XXXX and applied for a credit card to pay for it. The dishwasher took over a month to arrive and be installed. I received my first bill for the credit card before the dishwasher arrived. The first payment on the {$800.00} bill was due XX/XX/2018. I made a payment of {$200.00} In XXXX I came down with the XXXX. I have a XXXX XXXX so treatment was difficult. I missed the date for my second XXXX payment which was XXXX XXXX. On about XX/XX/XXXX I received my first phone call from XXXX XXXX regarding the XXXX card and they have continued ever since. I was hospitalized for four days with the XXXX  and was hospitalized again this weekend XX/XX/XXXX to the XXXX. This afternoon ( XX/XX/18 ) as soon as I got home from the hospital I had 12 phone calls on my answering system and a taped phone call came at XXXX pm from Synchrony requesting payment on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian Fraud department to let them know that there were inquiries on my credit report that were not authorized by me. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I spoke to the person at XXXX PM and got an email back at XXXX PM same day, XX/XX/XXXX saying that my results were back and the information was updated on my credit report. These inquiries are still showing on my report. There was no investigation on my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting

I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX a collection company on behalf of XXXX XXXX for {$430.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Product: Mortgage

The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.
Product: Payday loan, title loan, personal loan, or advance loan

This is the entire email exchange : XX/XX/2023 Dear XXXX, Thank you for your recent application for credit services from CashNetUSA and a loan from XXXX XXXX XXXX XXXXXXXX You applied through one of our marketing partners who referred your application to us. Your request was carefully considered, and we regret that we are unable to approve your request. 

Reasons for Denial of Credit Your recent application with CashNetUSA was not able to be processed due to the following reason ( XXXX ) : Applicant is ineligible to apply due to previous applications/ loans with CashNetUSA If you have any questions regarding this letter, you should contact CashNetUSA, or XXXX XXXX, care of CashNetUSA, at : CashNetUSA Customer Support XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com My response : I never applied for anything with you or cashnetusa. I will be reporting this fraud to the FBI fraud division. 




Thank you for your most gracious attention in this matter, XXXX Kat Their reply : Dear XXXX, Thank you for contacting CashNetUSA to report a claim of identity theft/fraud. Please be advised that before we can process your claim, you must file a police report with your local authority. Please ask your local authority to include the XXXX  XXXX XXXX XXXX. bank account information that is listed on the application in the summary of the police report. If you do not have the bank account information please contact our Identity Theft Department at ( XXXX ) XXXX. 

Please note that if we do not receive a police report within the next XXXXeven ( 7 ) days, normal collections activity may begin on your account if a loan has been issued. 

Please fax a copy of the police report to ( XXXX ) XXXX, Attention : Identity Theft Department or email us at XXXX. Once we have verified the report, we will process your claim within XXXX ( XXXX ) business days. 

If you have any questions or concerns, our fraud team is available XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX to help answer all your questions via phone or email. 

CashNetUSA Identity Theft Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com Address : CashNetUSA XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX- XXXX - I was never late on this account. 



XXXX XXXX  - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX
Product: Credit reporting or other personal consumer reports

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times XXXX - 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 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: 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 Appfailed 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 or other personal consumer reports

I've been mailing out letters requestIng more information on a particular account sbnalender acct # XXXX reporting to my credit report. Ive reached out directly to the vendor but failed to receive a response. I notified the credit reporting agency who also failed to provide an explanation. They also failed providing me with proof of proper investigation validating info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Capital One CLOSE accounts on my credit report show different dates of last activity. Remove immediately due to inaccuracies