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

There are inquires on my report that were not authorized. I have been victim to their inquiry issue. I have contacted the credit bureau and the customer service agent i worked with was not helpful. Below is the list of the inquires : XXXX XXXX XXXX Inquired on XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Arbor Professional Solutions, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.
Product: Debt collection

USA Funds has sold a debt they do not own to another company called XXXX XXXX XXXX. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.
Product: Mortgage

Please to attached files. 
Files include ... 
Letter to you ( CFPB ) as to our issue with Loan Care Our many correspondence with Loan Care Letters from Loan Care informing us they are working on a resolution they have been telling us since XX/XX/2019. 
Proof from our credit union ( XXXX XXXX XXXX XXXX ) that the payment was made and they received the funds.
Product: Debt collection

My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.
Product: Credit card

I did not receive my right to rescind my auto loan. I did not receive the truth and lending disclosure. I was discriminated against numerous time from various financial institutions by denying me credit. I did not receive my tender back from after I paid off the account. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry from Carmax XXXX XXXX on XX/XX/2019 i never applied for a loan from carmax and never authorized anyone to inquire on my behalf. I called Carmax, asked for a supervisor. Asked for any proof of my authorization. they refused to give my anything also refused to remove from my credit report
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX American Express National Bank Executive consumer Relations, Legal Dept. 


XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX, XXXX  XXXX RE : XXXX, XXXX # XXXX XXXX # XXXX I am writing to request a favorable report be submitted to all 3 FICO credit reporting agencies : XXXX, XXXX, and XXXX. I've had account # XXXX with XXXX XXXX since XX/XX/XXXX. 


I've requested a change of bank for my SSI direct deposit & will be closing my account with your company as soon as transfer is complete. 


I will also be submitting complaints to XXXX & FDIC regarding your predatory banking practices. Your company : -misrepresented this account as a checking account linked to a debit card intentionally to mislead vulnerable adults. The account number is questionable and inconsistent with normal banking practices, in which customers would be improving credit rating for duration of positive account balance. This results in customers being unable to obtain future credit, employment, and/or credit at reasonable earned credit rate, due to " lack of credit '' indicated by FICO. This equates to " economic sabotage ''. The same XXXX Branded Companies and affiliate agencies including in this instance XXXX XXXX, fail to provide reasonable customer service and ethical business interactions. 


In addition : -multiple XXXX XXXX failed to maintain Money Center Cashier/ Center Kiosk and/or MoneyPass ( fee free ) ATMs -Bluebird/AMEX failed to maintain XXXX ATM affiliates within reasonable distances for " Vulnerable Targeted Population Victims '' poor & XXXX dependent on public transport while also preventing cash back with purchase, all of which resulted in undue ATM fees, transportation fees, untimely walking travel distance. 


Undue stress economic hardship directed at targeted populations vulnerable poor and XXXX. 


There has been not only no benefit, but much harm caused by your illegal and unethical predatory, business practices. 


You should be ashamed, publicly shamed. 





Cc : XXXX XXXX, XXXX XXXX, XXXX, FDIC, XXXX, XXXX, XXXX
Product: Checking or savings account

This report is for Wells Fargo. Ive been with them since XXXX and theyre deciding to close my account Im not sure why. Ive submitted claims from order that were either not receive/ missing or stolen or incorrect XXXX XXXX. With support to back it up and documentation like police reports and emails from merchants regarding that would receive my money back and never did and my claims were still denied, with no reason to support it. I was also told XX/XX/XXXX that I would be able to transfer my money to an external account after the following steps were completed and after completion that was a lie. I went into a specific branch and was racially profiled when trying to get MY money out of my account, took over an XXXX and a half. Over the customer service has been horrible I still have money in XXXX accounts from them and I dont want to go to a branch because of how I was treated just last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, XXXX and Transunion. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that a new employer has been added to my credit report, XXXX, XXXX. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.
Product: Credit reporting or other personal consumer reports

in XXXX Standard Consumer USA stop taking my payments, I called they said the account is closed and refused to allow me to make a payment. They locked me out of the online portal and refused to have a manager call me back. I read they where being sued by the DOJ and assumed my car was caught up in this litigation but I received nothing. Not one notice, letter or call. My phone number has been the same since XXXX. Then they wrote this off as a profit and loss on my credit file. I asked for a 1099 via call and mail in XXXX and they never responded. The car is sitting in my driveway unable to be registered or drive because Santander refused to send the title to XXXX  when I moved from XXXX  in XXXX. 

Not one email, call or piece of mail has been sent to me on this loan and they refuse to talk to me when I call.
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 app ( 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 resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX  XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX removed credit card account from Equifax report added a remark of " discharged by bankruptcy. '' Account was NOT discharged by bankruptcy. Credit card account is active and used daily. I tried to call XXXX XXXX and they said they can not discuss credit reports and told me to dispute with Equifax. I tried to dispute but Equifax says it's accurate. Credit score dropped from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX no number to reach. Paying XXXX for i dont know why
Product: Debt collection

I am writing to you regarding account number XXXX, which is associated with my name, XXXX XXXX. It has come to my attention that XXXX has been reporting this account to the credit bureaus as if it were an open account, despite it being charged off. I would like to bring to your attention that this practice is in violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, charged-off accounts should be reported as such, and they should not be depicted as open accounts. This misreporting can have significant adverse effects on my credit score and financial standing. Furthermore, I have not been provided with proper documentation associated with this charge-off, which raises concerns about the accuracy and legality of the reported information. 

Additionally, I would like to address the issue of documentation related to the charged-off amount. As per my understanding of IRS regulations, creditors are required to issue a Form 1099-C to debtors when an amount is charged off. However, I have not received any such form from XXXX, which could potentially lead to complications regarding tax compliance and reporting. 

I urge you to take immediate action to rectify the misreporting of account XXXX to the credit bureaus and to provide me with the necessary documentation associated with the charge-off. Failure to do so may result in further legal action to ensure compliance with the FCRA and other relevant regulations.
Product: Credit card or prepaid card

I've had this credit card since XX/XX/XXXX. And never missed a payment until I was financially distressed in XXXX/XXXX  when I my husband ( XXXX ) was in an accident leaving him in the hospital for 6+ months and not able to work anymore due to waiting for a XXXX XXXX. Once I had used my money in my savings while being off managing all the bills, I started to fall behind And I've had 7 missed payments in XXXX because of me being off work to help my husband. And once I've got back to work ( XX/XX/XXXX ) took off for medical leave, I have not missed a payment since. And have made double and triple payments to pay my balance down in XXXX. While being off from XX/XX/XXXX, to XX/XX/XXXX since my savings ran out I took durasticly measures and widthdrew most of my retirement to pay off medical and other bills for my husband ( mortgage, his credit card with same comsumer ) and I've even made a balloon payment well over the asking monthly minimum due payments ( which was {$5000.00} ), ( my highest balance was XXXX $ ) ( credit limit of XXXX ) made balloon payment in XX/XX/XXXX of 5,000.. which would have could covered previous late payments and even post payments ( my minimum amount due ) until I got back to work, which was in XX/XX/XXXX. And I have been a faithful customer once I was able to resume work, and my balance now is even at 3,000.00 which mean I make double/triple payments above and beyond minimum amount due. Having these late payments on my credit report lowers my score and has even temporary prevented me from housing situations ( I work all over the United States ) I  applied for an apartment for where I am working the next 2 years so I can provide for my family and was denied housing due to missed/late payments on my credit report from this credit card company making me drive 4 hours a day. I ask to remove late payments status so I am eligible for housing when they run a credit check. And that I have been a faithful customer ever since and only missed payments when my husband 's accident occurred.
Product: Credit reporting or other personal consumer reports

Im dealing with incorrect information on my report that is unfairly hurting my scores and limiting my options. These errors have already caused unnecessary stress and setbacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a new account with Barclay Bank XX/XX/2016. 
And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards. 
After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ... 
I told them I was just paying one of my XXXX XXXX cards. 
So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well. 
So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer. 
Every time I called in they are rude and give me all kinds of ridiculous excuses. 
I already send the documents twice and they still do n't want to honor the 0 % balance transfer. 
It seems to me that they are trying to pull some type of bait and switch deal on me. 
If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports? 
If they are not so sure who I 'm why give me a credit card in the first place? 
It make no sense to me ... 
I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/1995 SS : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Texas My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifaxx has done nothing. Please help me delete these illegal accounts from my credit reports. Filing for bankruptcy was a result of the Equifax data breach. Attached wil lme Reference number : XXXX ( XXXX XXXX XXXX XXXX XXXX All Hard inquiries XXXX XXXX XXXX XXXX XXXX ( Account number last 4 digits XXXX )
Product: Mortgage

I closed on a cash-out refinance on XX/XX/XXXX. The disbursement date was to be XX/XX/XXXX. I received notice on XX/XX/XXXX that my loan had funded ( 6 days late ). Though my original loan was paid off by the refinance, I sit here on XX/XX/XXXX without my cash-out funds. I have emailed my loan officer, called several times, called his manager, and called customer service. I have yet to receive a call or an email back from my loan officer or his manager. I don't know what else to do. 

The company is Loan Depot. 
The mortgage amount was {$160000.00}, and the cash-out portion was to be {$96000.00}.