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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 MRS ASSOCIATES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, MRS ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to MRS ASSOCIATES who is now violating my rights.
Product: Mortgage

I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WFHM with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
Product: Checking or savings account

I placed an order on XXXX for {$1100.00} on XX/XX/XXXX. I then returned the product, and it was confirmed by XXXX that the refund was sent on XX/XX/XXXX. The payment of choice was Cash App, which has been telling me for weeks that XXXX never sent their company the funds for the return. I got an email reply from XXXX on XX/XX/XXXX with a credit memo attachment of the refund being processed on their system on XX/XX/XXXX. Cash app since has not responded to my emails after XXXX attempts. I am now out {$1100.00} because XXXX and Cash App will not take ownership of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.
Product: Credit card or prepaid card

The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - Equifax Inquiries - XXXX XXXX XX/XX/XXXXXXXX  - XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX \ XXXX INQUIRIES - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IACCOUNT XXXX XXXX XXXX  - XXXX THIS IS NOT MINE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX  - XXXX - NOT MINE NEVER HAD AN ACCOUNT. XXXX INQUIRIES - XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protect Act ( CFPA ). 
Specifically, Cash App failed to take timely 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 the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX XXXX -Opened on XXXX XXXX I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Personal Information - see below. 

XXXX. Previous Address ( es ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent inquiries for TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete all other addresses as listed above, as I can not receive mail or any correspondence nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have XXXX capital XXXX credit cards XXXX have a limit of XXXX $ and the other XXXX XXXX Over the past few months when I got laid off I had a few payments missed XXXX actually to be exact for the month of XXXX and XXXX I started paying down balance in increments of XXXX XXXX In XXXX my balance was reported to have been maxed out or utilization between XXXX cards were at 96 % I have made several payments a month towards both cards XXXX XX/XX/XXXX I made a XXXX $ payment and on XXXX XX/XX/XXXX I made a XXXX $ payment, XXXX XX/XX/XXXX made a XXXX $ payment, Jan 15/25 110 $ payment, and Jan XXXX XXXX XXXX  payment my current balance for that specific card should be updated and reported as XXXX XXXX  remaining as balance to pay off but it hasnt been updated or reported to my reports since XXXX my other credit card balance is currently at XXXX where the same thing Ive made several payment towards balance and reports are not updated Dec XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX payment, XXXX XX/XX/XXXX XXXX payment, Jan XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX  payment utilization is down and reports are not updating accurate info
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my Savings account to my Bank of America mobile app around XXXX. I was notified the money would be held until XX/XX/XXXX at XXXX, which I agreed to. The following morning, XX/XX/XXXX, I checked the app to see my Checking account was closed with no communication to me via mobile, mail, or email. My phone number was also deleted from XXXX, and the hold updated to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX date breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX Data Breach . I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion insists on charging to use their services to access the credit report. I am unable to view my report unless I provide a credit card payment
Product: Money transfer, virtual currency, or money service

dear consumer financial protection bureau so im submitted written online email case report about im having delay problem issues with and check cashing business goes by the name of ingo money inc so the ingo customer has reach out too the business company directly today and has not been unable to solve problem issue between the consumer and the business company directly so i can explain details about the type of problem issues im having with ingo money inc check cashing services so i had deposit check thru ingo money app mobile check deposit thru my smartphone and after i mobile deposit the first check enclose from my smart phone ingo money denied my recent transaction check amount {$8.00} cents into credit into my checking account then after they denied my first check i deposit another check for XXXX cents even amount into my mobile check deposited into my checking app account on yesterday ingo money close my mobile check desposited account without my consent of knowing they did so i can provide ingo money inc telephone number XXXX so now im not able to deposited checks into my ingo money account thru using mobile check from my phone app
Product: Credit card or prepaid card

I have auto pay set up on ALL my American Express accounts. My auto pay, for example, on the Hilton Honors account is set to a fixed amount of {$50.00} per month, 15 days after statement closing. Per the agreement dated XX/XX/2021 : If I select the " Other Amount '' automatic payment option, American Express will debit my Designated Account for the dollar Amount that I have specified, except as provided herein. 
IF THE OTHER AMOUNT IS LESS THAN THE MINIMUM PAYMENT DUE IN ANY BILLING PERIOD, AMERICAN EXPRESS WILL INCREASE THE DEBITED AMOUNT TO THE MINIMUM PAYMENT DUE FOR THAT BILLING PERIOD. If the Other Amount I have chosen is greater than the New Balance on my American Express Card account, then American Express will debit the New Balance on my account.

There have now been multiple times that American Express did NOT automatically increase the " other Amount '' to the minimum payment due. This results in late fees of {$29.00}. 

In 2021, the same issue occurred over a 5 month period, resulting in a penalty interest rate. American Express at that time argued that the agreement they see states the Other Amount remains fixed. Eventually this issue was resolved and I was told they would investigate the issue why the payment was not increased. 

This month, AMEX again did not automatically adjust the payment as my minimum due was {$58.00}. This results in yet another {$29.00} fee, but the " late '' incident also counts towards their ability to raise interest to the penalty rate. 

They need to fix this deceptive practice. The give an agreement and yet do not follow their pwn policies, charging customer late fees and penalty interest when they should not.
Product: Mortgage

I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF EDXXXXXXXX POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX
Product: Checking or savings account

Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. I being calling the XXXX option XXXX which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours. 
Here is the list of my accounts placed in hold. 
Checking XXXX Checking XXXX Checking XXXX Saving XXXX Saving XXXX All the XXXX accounts are placed in hold and no received any notification or explanation about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan through Wells Fargo that started XX/XX/XXXX. As of XXXX of XXXX my payments stopped reporting to any credit reporting service I can find or XXXX can find. Also as of XXXX of XXXX I can no longer see an active or inactive auto loan with Wells Fargo.
Product: Vehicle loan or lease

Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract DOLLAR AMOUNT I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from XXXX XXXX XXXX XXXX located in XXXX XXXX to purchase XXXX XXXX XXXX XXXX XXXX for advertised online purchase price {$44000.00} XXXX  XXXX XXXX MISREPRESENTATION/Deception/Fraudulently AFTER signing financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXX XXXX in less than 4 hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE RETURN to XXXX XXXX  XXXX. 


XX/XX/XXXX Received calls and text message from phone number XXXX Spoke with director XXXX XXXX XXXX XXXX, however display name on my phone XXXX XXXX Please see attached correspondence Recordings available. 

XXXX XXXX agreed on recording removal of add ons described in resolution section XX/XX/XXXX Sent text message to XXXX XXXX. See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly. 
Additionally adding the below : During transaction of vehicle dealership sent web credit application via personal cell phone number. I advised I wanted some type of confirmation of XXXX destroyed or removed from representatives personal phone. 


Recordings from XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX minutes 33 seconds. Call was dropped by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX back @ XXXX XXXX XXXX XXXX 11 minutes 33 seconds XX/XX/XXXX Sent text message to XXXX XXXX XXXX See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  ( credit file confirmation # XXXX XXXX, Transunion ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.