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

I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years. 

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC RESURGENT RECEIVABLES : XXXX,
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted on my cell phone by a female representative of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I answered, she asked was she speaking to me, I then asked who is this? Then she stated this call is being recorded and attempting to collect a debt. Then she stated the call is an attempt to collect a debt for player cash advantage. I immediately started thinking a scam call and then I hung up. Today, XX/XX/year> I received in the mail a bill for {$5000.00}. I know I didn't create this bill but I started analyzing this bill. It shows the authorized date as XX/XX/year> and time as XXXX. This was on a Monday and I was on my job and on a lunch break. I'm not sure what this cost is for nor where it happened. I don't know where they obtained the name, address and phone number.
Product: Debt collection

I received a call from Hunter Warfield ( XXXX ). They stated that they were reaching out to settle my account. I informed them that I had negotiations in place. I was informed that there were no notes on the account to reflect that. I confirmed the account number ( XXXX ) and was told that they did not have an email address on file for me. I quoted the settlement offered and attempted to update the person I spoke with. I did not get a name, but they repeatedly informed me that the call was being recorded. The representative was rude, yelled at me several times, and continued to shout over me when I attempted to give her relevant information, such as name and dates. 

My experience with this company has been full of inappropriate behavior for a debt collector. They call repeatedly, and if I send the call to voicemail, they call back to back. They have been dishonest, stating that they had no communication about this debt since 2019, which is untrue. The rep repeatedly threatened me with escalation and legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX and public record XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER : Account number : XXXX, Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading and multiple inaccuracies. therefore it's in violation of section 609 & 611 of frca. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA XXXX XXXX. FILED : XX/XX/XXXX XXXX ;.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry on my consumer report with the following information : XXXX Important dates Inquiry date XX/XX/XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information : XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. 
XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
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 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 financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Removal of an Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand for an immediate deletion of an inaccurate account from my credit report that is causing hardship to obtain approval of credit, that inline with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. While reviewing my credit report, I have noticed an account entry that is inaccurately reported and must be removed promptly to avoid legal actions.

The inaccurate account entry is as follows : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$7800.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws. 
Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 10- 15 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I was looking for a personal loan. I applied and they pre approved me for $ XXXX. Once they did the hard pull, they dinged my credit and then changed the loan amount to $ XXXX. Thats bait and switch tactic I. My opinion and I asked them to cancel my application and remove the hard inquiry. They agreed. Then they called me back saying that if I submit my documents, they might be able to get the amount I applied for $ XXXX. I said Im not interested. They were very pushy about getting me to upload documents and then Fixing the issue. Im already uncomfortable because they did the bait and switch. But it seems like they are holding this over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on my XXXX Report between XXXX. I received an alert from XXXX XXXX about this inquiry. The inquiry was made by US BANKXXXX XXXX XXXX I am having difficulty reaching someone at the company. I have been on hold an hour, and bounced between calls, and placed on long holds. I have placed an freeze and fraud alert on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX and XXXX XXXX, due to a job relocation, have been attempting to sell their property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX for over two years. 
Recently we were able to get the XXXX lien holder, XXXX, to agree to a short sale and they have provided the FHA Approval To Participate letter on XX/XX/XXXX. Please see attached documents. The XXXX lien older, US Bank, has been " processing and reviewing '' the same short sale documents that XXXX has approved since XX/XX/XXXX, At this time they have stalled the process of the short sale review with no explanation. Please see attached email string where I have asked, then demanded, some indication of the activity on the file. I keep getting an email from XXXX XXXX, the Customer Relations Manager, telling me the file is being reviewed. It 's been " being reviewed '' for almost 5 months now! It 's past time for a decision but US Bank is deliberately stalling this file for their own reasons, none of which have to do with the file. They asked me for a Request for Mortgage Assistance ( RMA ) on XX/XX/XXXX and it was completed and sent to them the same day. But when I called them to see what the status of the file was on XX/XX/XXXX the US Bank folks told me they did not have the RMA and required it. I emailed it to tem again and apparently they found it, or did not lose it, that time. Then on XX/XX/XXXX they asked for another group of documents, including the same XX/XX/2014 Federal Tax Return we had sent in back on XX/XX/XXXX, a copy of the Homeowner 's Declaration page and the Property Tax Statement, which we had previously informed them on XX/XX/XXXX by signed and dated written statements that the XXXX lien holder had been taking care of, and a copy of the XXXX lien holder payoff statement, AGAIN provided to tem on XX/XX/XXXX. The Relationship Manager, XXXX XXXX, sent an email on XX/XX/XXXX asking for a VALID PURCHASE AGREEMENT. That document had been sent in XXXX times previously, on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. XXXX told me they needed a fully signed sales agreement but, after reviewing the file VERY carefully and not seeing any missed signatures and asking for specifics as to the supposed missing signatures, she would not provide any specific page numbers or page identification information. See attached email string. 

US Bank is deliberately stalling the process of this short sale request and refusing to cooperate to allow the borrower to avoid foreclosure. They are obstructing the process by " losing documents '', asking for correction on imaginary problems and in general not acting in good faith with the borrower. They are the quintessence of a financial institution that thumbs its nose at the federal regulatory agencies by not cooperating with their customers as the Dodd-Frank Wall Street Reform and Consumer Protection Act intended to enforce and that intentionally causes damage to the lives of heir " customers ''.
Product: Credit card or prepaid card

I applied for a credit card a few days ago and since sign up I have been continually denied an instant ( temporary ) credit card number that would be effective to start purchases until I received my official card in the mail. I have been told '' we do n't do that '', " you should have signed up online '', and " you should have received it when you first applied " ( even though I did request it at that time and they denied the request ). Even though I express the urgency of needing to use it right away, all I was told was that I should reschedule what I am trying to purchase. ( Of which purchase could go up in price in doing so, will American express be paying the difference since I was denied a temporary card? ) I have spoken with numerous representative both on XXXX/XXXX/XXXX as well as today. Today I spoke with XXXX, a customer service agent ( who stated I should have gotten it when I first applied and after saying I did request it at that time, told me she could n't help and that she would transfer me ) and XXXX ( id # XXXX ) whom stated I would need to wait for my card in the mail. 
According to the terms, conditions, and disclosures of the credit card, an instant number is only limited to being based on the ability to validate my identity. There is no additional fine print stating any of the information provided to me by the representatives I spoke to and therefore I would have received the requested temporary card without any hassle. 
This has been the worst service and makes me wonder how my future service will be if I am treated and being made to feel like and unvalued customer in the very beginning, if they are n't following their own terms, conditions, and disclosures, and making me feel as though they do n't care if I stay with their company as a consumer or not. There are many other competition companies out there and with American Express being such a large company, you would think they would want to keep as many customers as they can being how there are so many other competitive companies out there to choose from.
Product: Mortgage

Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint XXXX : Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. this has been going on for 6 months. I submitted the documents that suitable to verify my identity. 
by certified mail certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure to continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me this will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. 

Northing in the FCRA says I must submit online and I will not be using online means to facilitate my 2 requests. 
I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy 4th and final request.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach not only did it effect my XXXX but it also effect XXXX and Experian. This has cause me tremendous hardship because all of my credit has been exposed and supplying information to my personal credit. Causing me and my family difficulties in everyday life and values and the American dream. If one Bureau is inaccurate then they are all. There's no way we can determined what's correct or incorrect. There's no way in telling how long I been exposed to this data breach and how it will effect me and my family in the future. I'm asking for XXXX and Experian to make this right by deleting everything off of my credit reports asap. XXXX has admitted that they were at fault and I want Experian and XXXX to follow suit because they are all using the same info to furnish their. So if one is wrong they are all wrong
Product: Money transfer, virtual currency, or money service

So the problem at hand can go into more then just hard to find and misleading print. But also mishandling of funds as well as refusal to take action. So I used XXXX through the hunington app to transfer money for the sale of a device of which one was payment and a little extra for shipping at exactly XXXX dollars then another two one for XXXX and another for XXXX all together for the item and XXXX XXXX XXXX absurd shipping prices. After this he refused to give me a tracking number and I never received the item or the money back. 

I admitted I was at fault for authorizing the transaction however it didnt transfer immediately and they refused or couldn't stop it from sending which should be a basic function by any service such as XXXX  with fraud protection. Yet they seem to do this to shift as much blame away from themselves to the individual or the bank and the bank will just argue there at fault and should help. This has led to two months of back and forth. They closed the case without notifying me until a week and a half plus later through mail. 

They dont do fraud protection and apparently dont have the ability to shut down scam accounts. Which I call the validity of as any money banking service should have more then the means and power to do so. As well as stopping transactions that haven't fully finished. This has left me with nothing but two months of frustration with no communication to me as I had to prompt it each time by calling in except for the slips in the mail for the three transactions and nothing being done about the multiple times they messed up and lied about timing or in general to me.
Product: Vehicle loan or lease

I filed bankruptcy in 2016 which included a wave runner threw synchrony bank. My attorney advised me they would not repossess the wave runner if i kept my payment current this was again told to me by synchrony bank threw multiple phone calls with there bankruptcy dept. Shortly after a repo man came and wanted to repossess the wave runner. Even thow my payment was not late. Shockingly i called them and they advised this was in error and would be fixed. I asked for confirmation letter or a email too support this and was told it was too be provided and if i kept payment current i would gain ownership of the waverunner. No such notification was given and multiple people said different things no one could figure out what too do. 4 years later a repo man comes and says he has come for the waverunner and the police were coming to arrest me for theft!. I am shocked by this and tell the guy it sat here 4 years! And that i had tried to correct the issue and that the bank abandoned the waverunner for 4 years!. As the waverunner was kept in storage the repo agent was upset and demanded i take him too it which its out of XXXX county to which i live i declined i felt he was lying about the police and allowed him to ramble and said we can wait for the police to arrive or you can leave my property. My security camera system recorded the encounter. He got in his tow truck as he said he would find my storage and he kept bolt cutters just for that reason and drove down the road and sat for awhile and then left my neiborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.