23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
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 XXXX : Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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

I have called Transunion on three different occasions at XXXX to dispute incorrect personal information attached to my consumer profile. All three calls ended up in either a purposeful disconnect or a broken promise to remove such items from my report. The agents ask for personal information and end up disconnecting the calls. You're violating Federal laws. This is my last attempt.
Product: Credit reporting or other personal consumer reports

Fifth-Third Bank ( XXXX XXXX XXXX OH XXXX XXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out XXXX and latter reached out the bank on XX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to XXXX the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, XXXX XXXX
Product: Debt collection

I submitted a debt validation request to previous debt collector XXXX XXXX XXXX on XXXX and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XX/XX/XXXXXXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. Reinserting a debt after it being removed from credit bureaus is a violation of the FCRA.

Also i submitted the dispute to nca 's account manager, XXXX XXXX, on XX/XX/XXXX and received an email back from nca on XX/XX/XXXX indicating that they received my document I provided to show that the loan was paid for. And i haven't heard back from NCA or by writing since XXXX which is way past the 30 day deadline to respond to a pending dispute.
Product: Money transfer, virtual currency, or money service

( 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I received a call today ( XX/XX/XXXX ) from Sallie Mae explaining that my loans were past due. The loan modification program that I enrolled in in XXXX was denied. I explained that I never knew it was denied and in fact, my loans were already in a loan modification program. They were being " taken out '' of one program to be put into another program per the callers instruction. I was then informed that my loans were placed into a loan modification program in XXXX and a rate reduction program in XXXX. They were not able to provide me with any documentation of when I re-enrolled into my loan modification program in XXXX, as the program is only good for 2 years. In order to qualify for the program, you must make XXXX qualifying payments which are not reported on your credit. I did this. I made the XXXX qualifying payments in XXXX and continued to make payments into XXXX. In XXXX of XXXX, I was told that I would have to enroll into a new program ending in XXXX and this program was similar to the program I was already enrolled in. I asked if that was ok, as my loans were currently in a program and I was told yes because that program has no longer available. I had to enroll into the new program. XX/XX/XXXX I enrolled into that program. I am not able to receive clear answers on the program that I enrolled into in XXXX. There seems to be no record of such program. I was told several times this year to ignore the emails and letters about my loan program expiring and the noticed of defaulting. Now I am being told the communication was true. This is deceptive and unethical!
Product: Mortgage

I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or remove. 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 Balance Owed : {$600.00} XXXX XXXX XXXX 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 or other personal consumer reports

There was a HARD INQUIRY reported to XXXX on XXXXXXXX  by Macys. This was done fraudulently by Macys and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a Macy 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my XXXX Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by Macys on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom May Concern Good Morning, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue. 

Attached FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

My name is XXXX XXXX. I am a XXXX XXXX, so money is tight. I can't go a week without having access to my money, but I have had to do so XXXX  since opening my account with Citi just in XXXX. XXXX! They have XXXX my account and taken away access to my cards anytime they have been unable to verify a charge. Keep in mind, that none of these charges have ever been fraudulent. I wish I would have never opened an account with Citi. They don't care about the well-being of their customers. My well-being has been at risk of not having access to my own hard-earned money. It is horrible. When I call them to verify the charges, they " can not verify my phone number ''. It is so XXXX because I have accounts at XXXX and they are always able to verify my phone number. When I ask them for help to see what I can do with the issue, they hang up on me and tell me that they can't answer my questions. Ridiculous. I called XXXX XXXX XXXX, my service provider, and they said the phone shows up in my name, so they can't understand why Citi can't verify it. IT IS CITIS ISSUE, NOT MINE. THEY need to fix the issue, NOT ME. Next, they told me that since they couldn't verify my phone number I would have to wait a week for something to come in the mail with a letter code. This morning, I went to the mailbox and immediately called Citi because I desperately need access to my money. When I called, they said that the letter code is not enough information, and that I will need to wait for them to send me another document. I CAN NOT WAIT ANOTHER WEEK..POINT..BLANK ... PERIOD. If I don't get this resolved within the next XXXX hours I will be closing my account with Citi. HAPPILY.
Product: Credit card or prepaid card

On  X/XX/2017  I purchas  ed 2 ticket s on  XXXX  with my  American Express   XXXX   XXXX   XXXX . On  XX/XX/XXXX  I called  XXXX  to cancel the tickets, as there was a family emergency- my grandfather had fallen and required around the clock care. I was told there would be a {$200.00} charge per ticket for cancellation.     I then calle d American Express to see if there were any additional cancellation benefits or policies I was  eligible for as a cardmember. I was told that I should dispute the charge- and so I did so.     I noticed on   X/XX/17   that the charges were credited back to my account. At that time, I engaged in a " chat '' conversation with "  XXXX  '' from  American Express  who advised me that the dispute was resolved and that I was not responsible for the cost of the flights. He stated verbatim, " Great and I have an excellent news here. I will share the details of the email sent to you. He then went on to copy and paste an email sent to me.     I reiterated by stating  " Perfect!  So it is complete, and I was refunded? '' He said " yes, I will resend the emails as well. It will reflect on your upcoming statement.     I then received the email confirming it. Nowhere in my conversation with  XXXX , or on the email received did it state that  XXXX  could still respond to the dispute and I would possibly be responsible for the cost of the airline tickets.     I received my latest  XXXX  statement recently and saw that the charges were back on the account. I called today to inquire and was told that  XXXX  had responded and I am now responsible for the charges. This would have been fine, had I not been told in writing TWICE that the dispute was resolved and I would not be responsible.      American Express fa iled to adequately advise me of the process and provided inaccurate information stating the dispute was resolved when it in fact was not.     I spoke with "  XXXX  '' a supervisor with  American Express toda y- he apologized for the failure but was unwilling to assist in resolving this.     I should not be responsible for these charges, as I was informed in writing that the dispute was in fact resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a fraudulent loan account opened at Navy Federal Credit Union in my name. I contacted the bank and notified them of what had happened. They closed the account in question and issued me a new debit card. I personally sent the money for the loan back to the bank. I filled out the necessary documents of fraud and submitted a police report. 
This loan was added to my account information and is showing as a debt that I owe even though the money has been returned by me to them. 
My expectation was for this loan to be deleted from my history with the institution. I reported the activity to the three credit bureaus. Today is XX/XX/year> and the bank has not responded to my request for them to do the necessary things to correct my account. I have contacted them several times to get an update and Ive been told that things are in process. It does not seem reasonable to me that it should take this long for this to be corrected. I have even made a payment to this loan that has been satisfied in fear of my credit score being damaged. But I should not pay a loan that I do not owe. I have been trying to give the bank sufficient time to resolve this issue but this seems more than sufficient time. I was told that if I made payments they would be reimbursed. 
The bottom line is this should no longer be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are outstanding issues with these accounts on my EQUIFAX credit report : 1. XXXX : Account # XXXX XXXX Nature of Dispute : unauthorized/unrecognized account. 

2. XXXX XXXX XXXX : Account XXXX XXXX XXXX Nature of Dispute : unauthorized/unrecognized account. 

3. XXXX XXXX XXXX : Account XXXX XXXX  - Nature of Dispute : unauthorized/unrecognized account. 

I previously sent 2 letters ( XX/XX/23 & XX/XX/23 ) and acknowledged the initiation of an investigation by EQUIFAX in line with the Fair Credit Reporting Act ( FCRA ). However, I requested comprehensive provision of documentation substantiating the validity of the reported debts. Specifically, I requested : 1. Verification of the debt, inclusive of detailed information regarding the original creditor.

2. Submission of copies of all pertinent documentation supporting the reported debt 's authenticity.

3. Urgent confirmation of the accuracy of reported balances, status, and other relevant details. 
Instead of providing the requested information after multiple investigations, the credit bureau DID NOT PROVIDE ANY DOCUMENTATION OR PROOF OF THE INVESTIGATION, and closed all disputes as " verified ''. I even reached out to the above mentioned companies, requesting documentation to validate the debt as well, with no results. This has had a significantly negative impact on my young family 's ability to progress financially and is causing us distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank account on my XXXX credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/XXXX.