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

To whom it XXXX concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. 
According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete it immediately.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp ( blocking inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFP ) specifically, cashapp 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 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity documents, were lost in the XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have become a victim of Identity Theft, as a result. Effective XX/XX/XXXX, at XXXXXXXX XXXX est, IAM, requesting XXXX, XXXX, and TransUnion, BLOCKED AND DELETED, all fraud items below. LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. 

XXXX : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2020 we called our original lender ( US Bank ) to inquiring about refinancing our mortgage. By XX/XX/XXXX we had provided all the information they requested. They sent disclosures, requested an application fee ( which we paid ) and ordered an appraisal which was done in XXXX. By XXXX we had not heard anything so I followed up with the loan officer, which I was told underwriting had a few questions on our information. They sent us the questions the next day and we responded like wise. A couple weeks later still no response so I followed up again. I was told we had to resubmit bank info and pull credit again as 60days had passed. We complied and waited. Again, after a few weeks, followed up and was told they were waiting on subordination to our equity line. It had a XXXX  balance so should not have been an issue. On XX/XX/XXXX I reached out to them again and was told they had received the subordination but needed to pull credit and new bank statements again as 60 days had passed again. We were frustrated but we agreed. I was told closing should be in a couple of weeks. After several emails to the proscessor and loan officer being ignored, I called the 1-800 customer service number and explained I had a complaint and wanted to talk with supervisor. Originally they tried to send me back to the loan officer but I declined and insisted I get a member of management. On XX/XX/XXXX the processing supervisor called. Apologized and indicated I was waiting final approval, should happen the next day and would call to inform once formal approval was received. I never heard back from the supervisor ... her name was XXXX in Kentucky. A week and a half later I called customer service number and asked for another supervisor. This time I was given the supervisor of the loan officer ... XXXX XXXX. I called and left a message but my call was never returned by the supervisor. The loan officer did reach back out on XX/XX/XXXX to inform me it still had not been approved. Then, on XXXX XXXX, my husband sent an email indicating we wanted to either close asap with no origination fee being charged or give us our application fee back and waive any other charges ( like appraisal fee ) and we would take our business elsewhere. They did not respond to his request regarding waiving of fees but said underwriting just had a few more questions which ended up being the same questions we had addressed in XXXX. I pointed this out to them and even sent the email we had provided. I pointed out they had failed to communicate to us and respond in a timely manner and I was filing a complaint. We have great credit, and equity and expense ratios are not an issue so underwriting for this credit should be very easy. We are very frustrated by the extremely poor communication and 6 month lag in processing a strong credit request.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.

My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.

To resolve the problem, I would appreciate if they can remove the negative reporting on my record.
Product: Debt collection

I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX  account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX  account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.
Product: Checking or savings account

I had a checking account closed, the account number is XXXX, whose funds have been available to withdraw since XX/XX/2023. However ; I need the funds to be mailed as a check on the address on file. Already called customer support multiple times which refused to mail the funds to the address on file. It's already been a month since funds were available from the closed account and not having access to those funds has caused a financial hardship to myself and my family. I simply do not want to go to the back that unfairly closed my account and held the funds on it. I want the funds to be mailed as a check to the address on file
Product: Credit reporting or other personal consumer reports

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX, XXXX, and Transunion, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of not  XXXX , but   XXXX   (  XXXX   XXXX  and again in early  XXXX  deleted EVERYONE 'S   XXXX   Inquiries ) and in  XX/XX/XXXX  Experian ) computer glitches that was   XXXX   XXXX    and Experian 's problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accurate Experian Credit Report and Score, it said. Because of this, some people may notice some information on their Experian Credit Report that they didnt see before..  XXXX   and Experian later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted   XXXX   and Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by   XXXX   and Experian. Please, help me to make   XXXX    and Experian stop victimizing me. I ask that a resolution of all of my   XXXX   inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting

I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Product: Credit reporting

Inquires that needs to be removed, customer service would not take care of it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
Product: Credit reporting, credit repair services, or other personal consumer reports

stuff i just found on my report attach i file with XXXX police dept
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about an invalid address on my credit report. Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. I have sent them letters and faxes and made phone calls to them. Sent proof from my city that the address does not now nor has it ever existed. The last time I called them they said the address was removed but it is still showing on my latest credit report as of XXXX/XXXX/XXXX. I want the address and any so called accounts associated with the address removed completely from my credit report ( s ) Thank You for Your Time
Product: Credit card

Setting up paper mail preferences on XXXX credit cards wnd XXXX and XXXX, but never receive any mail statement since XXXX. Check on website, can not see the statement for XXXX. Everytime trying to open statement XXXX, always directed to XXXX which has only few balances that is not a problem at all. The problem since never receive paper statements XXXX and resulted keep forgetting and when trying to pay online have no clue the statements. Until just now getting the access and saw so many late fees from XXXX {$29.00}, XXXX {$40.00} and XXXX {$40.00} which the only one page able to be seen. Trying to find another transaction just impossible to find after scrolling and browsing around. Paid the amount {$700.00} to avoid future late fees and expected to receive refund from all late fees at {$100.00} or more since have no clue how many late fees already charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry on my credit isn't valid- inquiry is was made XX/XX/2020.
Product: Mortgage

WE HAD A 30 YEAR CONVENTIONAL MORTGAGE PAYING XXXX DOLLARS PER MONTH WITH XXXX OF PRINCIPAL. 

IN XX/XX/XXXX OUR MORTGAGE WAS HIJACKED IN THE BIGEST WELTH TRANSFER SCAM IN HISTORY. 

FROM XX/XX/XXXX TO XX/XX/XXXX WE WERE NOT ABLE TO MODIFY THE EXISTING MORTGAGE. 

FINALY IN XXXX ARVEST MODIFIED THE MORTGAGE BY ADDING THE {$85.00} XXXX IN ARREARS TO THE ORIGINAL 30 YEAR MORTGAGE. 

THIS IS A FRAUD. THE XXXX SHOULD HAVE BEEN REPAYED WITHOUT TOUCHING THE ORIGINAL MORTGAGE. 

WE ALREADY PAYED THE XXXX DOLLARS WITH INTEREST. 

WE WANT OUR ORIGINAL MORTGAGE BACK.!!! 

BUT NOW WE HAVE XXXX PART 2 WHICH WILL BE MUCH WORTH THEN XXXX. 

STOP THE GREED OF THE SHARKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
Product: Checking or savings account

I had a couple accounts open, 2 of which those were XXXX accounts for my XXXX, they closed those as well and they were in good standing.. Wells Fargo said that my accounts were gon na be closed due to filing claims due to charges that werent mine.. Idk why they did that, if a customer sees a charge on their account that theyre not aware of, the right thing to do is to file a claim which I did.. But the bank didnt like that do they closed my accounts, mind you most of these claims were always in my favor..
Product: Mortgage

My modification should be over. Mr cooper said it was with the VA now. I spoke with the VA days ago and they said they already did their part. I spoke with them directly. Its in mr coopers hands now. They were supposed to have escalated this. They received my modification signed paperwork back about 4 months. Its ridiculous how long Ive been waiting. Also Ive made 3 months of payments already since sending The mod paperwork back. Im looking to get a new loan asap for another place and Im stuck until this is sorted. 
My time is being wasted with me having to constantly call with no one knowing what is going on or lying saying its with the VA when it clearly is not. This needs to be sorted soon. 



I dont have time to call and go through the phone menu everyday and no one has given me an extension to call my rep listed in my message responses on your site. Nor has anyone responded from messaging to Mr coopers email addresses
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. 

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

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





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

There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.