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

My information, my wife 's information, and my daughters information all were breached by cyberhacker. i waited on hold 4 different times for a representative, more than 15 minutes each time and then they simply brought on a recorded line that told me to try later and disconnected me.
Why does the credit reporting agency even have my drivers license information? I find this to be totally unacceptable. I have no control over companies providing Equifax with my information nor do i have any control over Equifax diligently protecting the information.
In addition, all burden is on me to figure out if I was impacted when they simply could have mailed me a notice. They have known about the breach for over a month now. This is an area that I would expect my Government to be able to control and one that I expect my tax dollars to be used to defend my personal information.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. Code 1666b - Timing of Payment XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in VIOLATION of the 15 US. Code 51692k- Civil lability XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX
Product: Debt collection

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se )
Product: Credit reporting or other personal consumer reports

These companies are in clear violation of my consumer rights, XXXX and federal laws and continue to deprive me of my right to freedom for reporting inaccurate information. I did not give any written or verbal consent for these companies to have access to my personal data they are selling publicly and privately. I demand for the CFPB to do it's job and hold these companies accountable. This is clear violation of the privacy act of 1974, deceptive practices and also constitutes as identity theft.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference
Product: Mortgage

I sent my recent payment to NewRez on/about XX/XX/2021. Normal processing indicates that the payment should have been processed on/about XX/XX/2021.The payment appears to have been processed on/about XX/XX/2021. I did not identify the mailed payment by way of a certified mail or by way of registered letter. Therefore I can not speak specifically to delay in payment processing or to delay in U S Postal Service handling.

I plan to submit future payments by way of certified mail. I shall file future complaints if NewRez is in fact slow in payment processing or if the U S Postal Service is untimely in its service pattern.

I would like for CFPB to determine if the U S Postal Service is maintaining timely delivery to the NewRez address in XXXX, OH XXXX
Product: Credit card or prepaid card

I was sent an offer for a XXXX XXXX Mastercard. It is offered at 35.99 % interest, an intro fee of {$95.00} you have to pay before the account will even open, an annual fee of {$75.00} for the first year ( and only a {$300.00} credit line ) and {$120.00} in annual charges every year after that. This is an absolutely criminal amount of fees for a card trying to help someone establish credit. There would be {$2.00} in interest on the first bill just from the 35.99 % of {$75.00} in fees. You havent even bought anything, but youve paid {$95.00} in a program fee, {$75.00} in annual fee, and {$2.00} in interest. This would not help anyone.
Product: Debt collection

Amsher Collections service claims that as of XX/XX/2024 I owed {$770.00}. 

They stated they updated this balance on XX/XX/2024 as past due under a 1 month term. 
I did not make any agreement with this company under any terms. 

My original agreement was made with XXXX more than 2 years ago. I closed my account with XXXX XX/XX/2024 and switched to XXXX XXXX XXXX  who paid off my remaining equipment balance with XXXX as apart of the deal to switch to their company. Leaving a {$0.00} balance with my previous XXXX account. 

Furthermore, As apart of the contract I signed with XXXX there was an arbitration agreement, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. 

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by the aforementioned arbitration agreement with XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Hard inquiries on my report that i did Not authorize at all! 

Transunion - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes for the following accounts with ALL of the Bureaus : XXXX Acct # XXXX balance {$110.00} XXXX XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance {$870.00} XXXX, XXXX XXXX XXXX and XXXX were unverifable and removed from XXXX   and XXXX  however Transunion is still reporting these unverifiable accounts on my credit report. In addition XXXX no longer owns the account referenced above the account was sold to XXXX. This company has also been contacted I am currently waiting their investigation results due this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Debt collection

This company is harassing me for a credit card debt which is not mine. I asked then to verify the debt, but they have not provided me with enough information and simply claim the " debt is owed. ''
Product: Credit reporting

I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with Experian. Some one stole my identity, used my maiden name and obtained a federal student loan through XXXX to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with XXXX XXXX to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.
Product: Payday loan, title loan, or personal loan

AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. 

I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. 

I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who Can Help me, I sent in letters to Trans Union about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Product: Debt collection

I was a member on XXXX XXXX in XXXX, OH. In XXXX of XXXX, I deployed to the XXXX XXXX. Prior to deploying, I advised the management to put my account on a freeze. They advised they could do that. Months into my deployment, I received an email saying my account was at risk of going to collections. I made contact with management and agreed to pay {$260.00} to keep me out of collections. In return I was provided with a free membership of {$260.00}. I returned home XX/XX/XXXX and had my membership reactivated. In XXXX of XXXX I received a notice about a past due balance. I reached out to management who responded Hey there XXXX, you can disregard any emails regarding past due payments, we will get it sorted out for you. This was the last email I received from XXXX XXXXXXXX before discovering a collections notice on my credit report that was placed in XX/XX/XXXX resulting in my score to decrease XXXX points.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

My credit report says " 4 & 1/2 years of reporting ''. This is terribly wrong. I've had credit cards and loans for years and years. For goodness sakes, I am XXXX XXXX XXXX! 

My opiinion of all credit reports are that they are absolutely " fixed '' totally without researching for the correct information. Especially for late payments and medical debt. 

Consumers are out here trying to make a living in an honest way. Why can't they be honest and correct in reporting what is honestly, lives depending on it!
Product: Payday loan, title loan, or personal loan

I refinanced my house and this loan was one of the debits that got included. I sent the check for the payoff to Barclay 's bank. They cashed the check in XXXX for {$13000.00}. I wrote my account number of the front of the check. When Barclays cashed the check, I can see that the acct on the back of the check was incorrect. They transposed 2 of the digits. I've called them numerous times but they do not seem to want to help me. They keep telling me that it can take 1 to 2 billing cycles for it to be corrected. I've made 3 payments on this loan that I should not have had to. My next payment is due soon and nothing is getting corrected. I don't want my credit to be affected. This was not my fault. They entered the check to the wrong account number. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested multiple times for proof with signature that I owe this debt to XXXX XXXX XXXX XXXX. This is a fraudulent company. I paid this debt because the mortgage lender said I needed to pay it in order to obtain a mortgage loan. This company verbalized that they would remove this if I paid it. They lied and that is a crime. I am demanding that this account that was paid in full by me although I never acknowledged that I owed this debt to this company I am demanding that this debt be removed! Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive. as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$11000.00} -This is not my account.
Product: Credit card or prepaid card

We got a VISA Gift card from a friend/relative issued by Vanilla Gift card company, purchased from a store. The gift card had numbers that were scratched off or illegible on the front of the card and the CVV code at the back was also completely invisible. Looks like this card was a defective card. 
Since the card number itself was partially not readable, we called Vanilla Gift card company to get a replacement card. However, after taking all the information including a 11-digit number on the back of the card, expiry date of the card, my name, address and birth date ( not sure why they needed my birth date ), they assigned a case number and gave an email address and asked me to provide pictures of the front and back of the card ( which was fine ), but also asked for a copy of the receipt. This is where the problem arose. We were trying to use the card after about a month, and didn't even remember who gave that particular gift card, leave alone trying to get a copy of the receipt. 
This is the second time we got a card like this in less than a year. Based on what we have received in the past, we expect this gift card to contain at least {$50.00} and possibly more. 
There are a lot of complaints like this on the web. Looks like this is a pattern employed by Vanilla gift card company where they issue defective cards and state as a policy that they need a copy of the receipt which is not retained or passed along with the gift to the recipient. The net result is the gift card company might be netting a lot of money in unclaimed funds. 
We request CFPB to assist us and many others like me to help resolve this matter with the company and enable us to claim the funds that rightfully belong to us. 
Other details of the case : The 11-diigit number on the back of the card is : XXXX ; The underlined code below the barcode on the back of the card is : XXXX. The case number assigned by Vanilla gift card 's customer support was : XXXX i am not sure if they closed the case without any resolution.