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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX Date Opened XX/XX/XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX of late payments** Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXXXXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.
Product: Debt collection

XX/XX/year> I was told to pay credit card amount of XXXX and now when I speak to customer service representative they are saying I owe a total of {$750.00} which is false the last time Id check I only owe a balance of XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit report on two separate occasions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called XXXX XXXX and they do not have a credit application on file with my signature. 

I visited XXXX XXXX XXXX on XX/XX/year>, but specifically requested they not run my credit, since I already had a preapproval. They went ahead and ran it several times through different finance agencies without my approval or signature. 

I asked XXXX to remove the hard inquiries, since they could not produce my signature, they told me I would have to call the dealerships. 

I did call XXXX XXXX and since they have no record of this transaction they could not give me anything in writing. 

XXXX XXXX flat out told me that they did not have to give me a copy of my credit application.
Product: Student loan

Federal Loans used to attend XXXX XXXX  from  over 17 years ago were determined to be fraudulent and discharged by the Federal Government in XXXX. Applied for discharge for remaining Private Loans and received below generic statement. 

Loans - - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX " Response from Navient - Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If the Federal Government has ruled XXXX committed misconduct and discharged my Federal Loans, what SPECIFICALLY would disqualify me from having the remaining Private Loans discharged?
Product: Credit reporting or other personal consumer reports

I checked my recent credit report and i see a personal loan account open. I have submitted letters to the company and i want the reporting off of my report as its not my loan. also removing inquires i did not authorize
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach and identity theft, and this account was opened without my authorization.

Account to Be Blocked and Deleted : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. MsXXXX XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( ies ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to XXXX, XXXX  XXXX  and XXXX XXXX ) both in the US and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent response back from Experian concerning a dispute and they state the account I disputed was " updated '' however I supplied them with a letter from XXXX where they are stating they are not responsible for the account. My credit report lists XXXX XXXX on the report however the contact phone # sends you to XXXX. The account is not able to be verified and by law if an account ca n't be verified it must be removed. Also, XXXX filed for bankruptcy in 2013 so you ca n't contact them as well. The account must be removed immediately due to this issue.
Product: Credit reporting or other personal consumer reports

I have disputed this information with Experian and they have not removed the unverified and unauthorized inquiries from my credit report. 

I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. I am using CFPB to ensure compliance with consumer reporting and attaching my FTC report
Product: Money transfer, virtual currency, or money service

While searching for an apartment I was contacted by an individual named XXXX XXXX I now know to be impersonating a leasing agent. They claimed to be from XXXX XXXX XXXX. They sent me photos of an apartment, sent me leasing information, and an application. I filled out the application ( see attached ) and asked if I could tour the apartment. They told me it was unavailable to tour until the current tenant moved out. They encouraged me to sign a lease anyway as they had lots of interest in the property. The housing market where I live is incredibly competitive so I believed them and moved forward with the process. I received a pretty believable lease and was asked to send a security deposit ( {$550.00} ) and 1 month 's rent ( {$700.00} ) via Zelle on XX/XX/XXXX. I started feeling bad after sending the first month 's rent ( payment confirmation attached ) and asked to see the apartment before sending the rest of the money. I received no response. After a while, I realized I had been scammed. I told them I knew they were falsifying information and demanded my money back. The person I had been corresponding with unsent all their messages, luckily I have screenshots. As far as I'm aware the company has taken no action, I immediately reported the scam to my bank ( XXXX ) which refused to reverse the transaction as of XX/XX/XXXX.
Product: Credit reporting

I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I fell behind on payments in XXXX of XXXXMy payments were XXXX a month. The car was repossessed in XXXX of XXXX. I had to pay around XXXX dollars ( but was past due XXXX  months including XXXX to be around {$2500.00} and XXXX a month late fees to be a total of {$2500.00}, They have around XXXX past due ). I asked about a payment arrangement to get caught up but they never really gave me one. They stated that I needed to pay XXXX at the end of XXXX. I missed that payment date but paid XXXX the XXXX week of XX/XX/XXXX and another XXXX at the end of XXXX. I continued to pay as I could and ended up calling them in XXXX of XXXX to set up a payment arrangement as by that time they had me past due {$4300.00}. The advised me to start paying XXXX every XXXX weeks. I continued to pay and as of XXXX I am still past due {$3700.00}. The offers they are giving me dont seem to be paying off the past due balance at all. Even with a few payment not being the total amount it never seems to pay off the past due amount. They can never give me an explanation or what they do give doesnt even make any sense. The balance started out at XXXX balance now is XXXX. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has three or four hard inquiries on my credit report that shouldnt be on my reports. Ive never applied for a credit card. Im a victim of identity theft and just recently, someone tried to obtain XXXX more cards from XXXX different credit card companies. I would appreciate if Capital One would remove these inquiries immediately. My son has the same name as I do. Im not accusing him of any wrong doing but its something to consider.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX Experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. US Auto has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : us auto Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.
Product: Credit card or prepaid card

In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion credit.
Product: Mortgage

We applied for a mortgage loan with Triad Financial Services Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. XXXX # XXXX in XXXX of this year. We received the pre approval in XX/XX/year>. It was taken out for a land home package with a local mobile home dealer. Per the lenders requirements the land we placed an offer on had to pass a perc test and survey. Once completed the lender orders the appraisal to which we had to pay out of pocket XXXX $ to the lender. Appraisal came through good, we were moving towards closing and working with a title company. However the dealer we chose was violating RESPA laws in regard to the title company we requested to move both dealer and title companies. This entailed us having to reapply for the loan. XXXX XXXX worked directly with myself, my realtor, the dealer and title company on order to meet closing date of XX/XX/year>. On XX/XX/year> XXXX contacted use and stated that the original underwriter made a mistake and based off the fact that the second applicants job was held only a year, we should have been disqualified. That they are no longer able to process the loan as Triad would incur a loss because they would not be able to sell it to another servicer. We were falsely led to believe that we were qualified and the lender had us pay XXXX $ in appraisal fees, on top of the XXXX dollars paid the the first dealer for the required perc tests and survey. We have asked both XXXX XXXX and XXXX XXXX the regional manager who is going to reimburse us for the loss we incurred due to them falsely leading us to believe we had the loan therefore resulting in money invested into property we will lose the contract on based on Triads negligence.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  BALANCED {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
Product: Vehicle loan or lease

Payed off loan in XXXX of XXXX, never received loan release letter or official title from company. Called customer service and explained that title had not been received. Service personnel claimed there was record of title being mailed although I personally never received any other communication via phone nor email about title release status. Requested title replacement to be sent to specific address and only received lien release letter to wrong address ( I wanted the title to go to my moms because she was the primary signer for the loan. ) I only received lien release letter at my apt address even though I was told that the TITLE SPECIFICALLY would be sent to my moms address.i called customer service again and was told that I have to take the lien release letter to the dmv to get the title.im wondering why I am just now receiving the lien release letter even though the loan had been paid of for months.and why I never receive my original title.or even a confirmation that the loan account had been fulfilled.or anything from this company indicating when/how/where Id be receiving my title.EXTREMELY POOR SYSTEM OF TITLE COMMUNICATION.
Product: Credit card

Several years ago I had fraudulent charges on my citi card # XXXX and Called to cancel my card and dispute the charges, however CITI failed to remove unauthorized charges or help me to resolve this fraud issue and left me in full responsibility for the purchases I did NOT make or authorize. In order to save my credit from being damaged even further I agreed to installment payment via auto pay to CITI which I have been paying for serveral years now ( see attached proof ) however citi STILL reports this account as a charge off on my credit report EVERY MONTH which causes further damage to my credit on the monthly basis even though I 'm paying on this card every month as agreed ... 
Please help me take this off my report! my numerous attempts to deal with citi went ignored and I always end up being transfered to one person to another and they eventually hang up on me..
Product: Money transfer, virtual currency, or money service

Description of the Issue ( Complaint Against Square , Inc. ) On XX/XX/year>, Square , Inc. placed a hold on XXXX $ from my account without providing a clear justification. I have been informed that my funds will be held for 90 days, despite my business operating in full compliance with Squares terms of service. 

Timeline of Events : XX/XX/year> A payment of XXXX $ was processed through Square. 
XX/XX/year> Square placed a hold on my funds, stating that my account required further review. No specific reason was provided. 
XX/XX/year> I contacted Squares customer support to inquire about the issue. I was told that my account was under review, and I would receive an update soon. 
XX/XX/year> I made multiple attempts to resolve the issue, including submitting all requested verification documents. Despite this, Square continues to hold my funds and has not provided a definitive timeline for their release. 
XX/XX/year> I sent a formal demand requesting the immediate release of my funds. Square has yet to respond with a resolution. 
Actions Taken & Business Impact : I have attempted to resolve this issue through Squares customer support, but my inquiries have not been addressed in a meaningful way. 
The withheld funds have significantly impacted my business, causing financial strain and preventing me from covering essential expenses.

Squares lack of transparency and failure to provide a resolution is unacceptable and may violate consumer protection laws.