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

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and these items were not authorized by me. 
Fraudulent Account : Creditor Name : XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove these accounts from my report. They are affecting my ability to obtain credit.
Product: Vehicle loan or lease

I walked into the dealership on XX/XX/2022 to make a consumer credit transaction for a car. However, on XX/XX/2022 I didnt leave with anything but inquiries on my credit report. My credit report was pulled by Capital One and inquiries were put on my report saying that I applied for a loan from them, when all I did was go to the dealership and try to purchase a car. I have no idea how they got my information and why they pulled my credit report. They also received compensation from pulling my credit report and I received nothing in return. That is an unfair transaction per the truth in lending act and per 15 u.s.c 1611 and 15 u.s.c 1640 they are criminally and civilly liable for the crimes they have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have contacted the loan service company about a payment plan and was told they would send papers in the mail my next payment would be XX/XX/XXXX so I sent a check then got a letter saying it wasn't received and that I'm in default so I called to make the payment that I mailed electronically and was denied to make 1 payment and was told I needed to make 2 or I needed to wait until I could make 2 and refused the payment I was trying to make then I was told if I mailed anything it will get sent back to me. I did however mail another check since the fist one was never cashed hoping it will be processed this time. And will be making a payment every 2 weeks till caught up since my paperwork for the payment plan will not be coming.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my credit report that I did not authorize or consent for. The Fair Credit Reporting Act clearly states that the only permissible purpose for pulling a person 's credit report is for : XXXX ) a firm offer of credit XXXX ) insurance XXXX ) an application for employment, or XXXX ) a court order The items listed above are not related to XXXX of the allowable purpose, as it have been reiterated from The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an XXXX XXXX Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Checking or savings account

Chime has treated me unfair lied to me on multiple occasions I filed a dispute for XXXX XXXX  because of a scam filed this dispute provided documents to prove my dispute was not given the provisional credit when I was assured that I would receive my provisional credit every time it get close to the date they give me that the credit will post they deny the dispute with no documentation on why my then file a rebuttal which moves the provisional credit date this has happened several times then all of sudden the XXXX dispute go down to XXXX XXXX  which they can not explain and it has now been 120 days and they are still working on it in XXXX my phone was stolen I sent in police report copy of arrest of the person who stole it multiple charges to my account no provisional credited was provided they assured me again that I would receive my money and I sent in documents my dispute was denied a couple days before the provisional credit was due even though I gave support documents about my claim In XX/XX/XXXX I received my social security check and they took XXXX dollars for a loan they provided through their my pay at the time my phone was stolen And when I bring this to their attention they say I file a new claim I have been discriminated against because of my XXXX and race I have been on the phone with while they patronize me send me over two different operators I can hear them laughing and making XXXX remarks and theyll switch me to someone else never answering my questions. Never give me a reason why Im not getting a credit each time they switch me over to a person theyll turn around and ask me my name my address and my lab where my Social Security number turn around and say what is this about? Ill be on the phone for hours and a time with you and then theyll tell me you dont have to keep calling us. Youre gon na get your money. Im not being treated here and Ive asked the lawyer about this and they said that I should have received a provisional credit within 10 days if they did not resolve the incident and I should been given documents of why, why they denied it and what they used to deny it I never received this. They tell me it takes to 20 days to receive those documents and when I asked for the documents will reopen the dispute and then theyll say youre gon na get a credit on this day and then the day Ill change again and just keep going going and Im just tired of it. Im right now being homeless and my car taken and then my check came and it took {$500.00} out of that loan provided stolen and because I told him that I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022 I filed an arbitration case against XXXX XXXX. XXXX XXXX refused to respond to the arbitration claiming contract does not designate the XXXX XXXX XXXX as the administering agency, and the XXXX XXXX closed the file. At first ( when Freedom Financial was notified about the arbitration case ), I was having a conversation with XXXX XXXX, Senior Corporate Counsel Legal, who simply stopped responding to my emails. 


Freedom Financial is violating the contractual agreement that states the party seeking arbitration can choose the arbitration company. This is very clear in the language. 

I want to emphasize that not only my contract with Freedom Financial, but the contract terms of every consumer will be into trouble due to this companys breach of contract. 
The purpose of this claim is to ask the CFPB to investigate so this company and it's irresponsibility to respond to arbitrations rightfully filed. 

I want to add that Freedom is in violation of XXXX and FCRA and the Truth in Lending Act. Freedom numerous times misbilled me and claimed to have changed my payment due date but kept on charging me frivolous late payments even though payments were being made on time per the new due date. Freedom also removed all my on-time payments and wiped out my entire payment history. When I was given this loan, I was misled into consolidating my debts, and fees and interest rates were not disclosed to me. I was charged an unconscionably high interest rate in relation to my credit score. 


Please see attachment of arbitration case. 

Thank you.
Product: Credit reporting or other personal consumer reports

I disputed months ago and got no reply from Experian nor did they remove the items from my report they updated it
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX XXXX. I received an alert on my phone in reference to a drastic decrease on my credit file. I reviewed my credit file and noticed that I had 2 late payments from XXXX XXXX XXXX. I reached out to XXXX who I subscribe my Credit Monitoring through a paid membership, to alert them that I did not have a XXXX Account with a credit limit of {$2000.00} with a high balance of XXXX. I was informed to place an identity theft claim and submit it to the bureaus for removal and reach out to the Creditor. I went to the local XXXX XXXX XXXX, and they confirmed that this account does even exists. They ran my Social and I personally bank with this institution. I filed a dispute, with the Credit bureaus and it came back affirmed that this was my account. I was very confused that the account stated that this account was opened in XX/XX/, and it did not appear on my Credit report until XX/XX/. The high balance continues to change monthly. If you review my Credit report prior to XX/XX/, this account never appears. I have several arguments regarding this issue. This has hindered me from going forward with the purchase of my home and I would like for this account to be removed from my Credit Report. I have found several violations in reference to this account on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX | DOB : XX/XX/XXXX 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. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Product: Credit card or prepaid card

To whom it may concern, I opened a secured credit card with Wells Fargo a few years ago in hope to build my credit. I called into the credit card department to get my credit card limit increased from XXXX to XXXX and the representative closed my entire credit card account in error. 


I tried using my card and it was declined only to learn that my account was closed in error and confirmed by the customer care department. 
I had to wait several weeks for them to investigate and pull the recorded call. I received return payment fees from companies and I received no letter for my record keeping explaining what happened. I was assigned to a case manager by the name of XXXX who did the investigation, listened to the call, and confirmed that it was a bank error and told me I would have to do a new application if I wanted to keep my credit card account with Wellsfargo.  NOT FAIR. I explained to her that this is not a good look to have a close account reported nor is it fair or a good for me to lose points to have the account reopened for the same account that was closed within one month. I then was forced to call back because i never receive any information in the mail regarding this information and or a letter in writing explaining the error. I spoke with a rep by the name of XXXX who told me that they do not send out that information and that it is held confidential and only discussed via phone. He later said that he would submit a request and if it got approved then I would receive the letter in the mail explaining the error, and if it didn't get approved then I wouldn't be receiving a letter explaining what happened on my account. It is not fair for them to handle this matter so carelessly.
Product: Credit reporting

A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at XXXX was opened in my name. I didnt do it. I complained to XXXXthey deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my Equifax and XXXX credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my XXXX and equifax. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my XXXX is XXXX no accounts in collections. They got it right. Then XXXX says the other XXXX CRA XXXX and EQ is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what ngoes to who. I think I 've attached the right documents
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 Protections 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 process was unfair and deceptive, as they did not comply with error resolutions 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: Debt collection

On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.
Product: Debt collection

ATTENTION XXXX XXXX XXXX  ( XXXX XXXX XXXX ) I AM  SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.