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

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX BANK SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion po box XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a credit inquiry that appears on my credit report. The inquiry in question are listed below. I do not recall authorizing this inquiry and believe it may be a mistake or fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have attached a copy of my credit report highlighting the disputed inquiry for your reference. I request that you investigate this matter and remove the inquiry from my credit report if it is found to be inaccurate or unauthorized. 

Please provide me with information on the steps you will take to resolve this dispute and the expected timeline for completion. I also request that you send me a written confirmation once the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA * 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, credit repair services, or other personal consumer reports

Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXXXXXX XXXX Balance - ; XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to 3 Bureaus on XX/XX/2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XX/XX/2022 letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

On XX/XX/2018, I filed complaint # XXXX with the Consumer Financial Protection Bureau. This matter was resolved by Dovenmuehle Mortgage Inc on XX/XX/2018. I was told via letter that all late charges associated with my account were waived and that my account was up-to-date. I also received a phone call from a representative from Dovenmuehle Mortgage Inc.that stated that my account was no longer past due. Soon after, the harassing phone calls resumed and I was being told that I missed the monthly payments. I waited to file this complaint because I thought that their system would need some time to update my account based on the " resolution '' of my last complaint, however, the matter has not been resolved. According to the recent letter sent to me by mail on XX/XX/18, I am being accused of having a back balance of {$1600.00} for missed mortgage payments for XX/XX/XXXX and XX/XX/2018 including {$230.00} for attorney and late fees. As of XX/XX/2018, Dovenmuehle Mortgage Inc. has cashed 8 checks from me this year via XXXX XXXX XXXX. Those amounts include {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$700.00} on XX/XX/18, {$680.00} on XX/XX/18, {$680.00} on XX/XX/18, and {$700.00} on XX/XX/18. I am not missing any mortgage payments and have proof from XXXX XXXX XXXX  stating that Dovenmuehle Mortgage Inc. cashed 8 mortgages checks from me for XX/XX/2018 thus far.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and need to dispute the accuracy and completeness of certain information. This information is negatively impacting my credit report, and I request immediate correction. believe 30 days is a reasonable timeframe for your investigation. After completing the investigation, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 

Please stop reporting these accounts as late on my credit report immediately. If this request is not addressed, I may pursue legal action against your agency. The specific information I am disputing includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
Product: Credit reporting or other personal consumer reports

I do no recognize none of these inquires. Nor did I authorize them. 
I've already contacted all XXXX, XXXX and TransUnion in regards to the matter. 

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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. 

These accounts should not be furnished on my reports they are in VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. SANTANDER CON- SUMER , USA has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXXXXXX XXXX which dated back to 2018. Ive been living in XXXXXXXX XXXX for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

On Monday the XXXX of XXXX I opened a checking account online with Citibank i deposited a {$370.00} cashiers check issued to me from XXXX XXXX the check was cleared and available the next day on XXXX XXXX I proceeded to wire transfer {$340.00} out and later that day I received a message that the transfer was cancelled it advised they could not reach me for further verification but I never received a call, email or text then later in the day I tried logging into the account again and I was locked out so I called the XXXX number and they looked into it and said that the check was fraudulent so I called XXXX XXXX and they said the check was cashed and deposited and there wasn't any problem as far as fraud so I called Citibank back and they finally got me to another dept. that after a long hold told me Citibank no longer wanted to do business with me and that I would receive a letter in and any remaining balance in 30 to 60 days i tried to explain that there must be a mistake and unfortunately I don't have these peoples names because I could barely understand them but i got no where I then went on XXXX and actually got a customer service rep from the states to call me her name was XXXX she looked into it and advised the same thing and also said 30 to 60 days and a refund if there was anything to refund I said well how could there not be a refund to the entire amount when I was blocked from having access 2 days after I opened the account? they will not tell me why they think its fraud I have offered any identification or anything else if there was doubt about who I am but i don't understand why they cashed if it was fraudulent which it wasn't now I have spoken with a number of people who are saying they do this a lot. Holding my funds for 30 to 60 days is unheard of especially when there isnt any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian doesn't clear erroneous information in my credit file. They need to involve real people in the processing of disputes. Not XXXX  foreigners at the phone that are unable to understand English.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed some inaccurate reporting on my XXXX and XXXX XXXX reports as follows ; ( account # XXXX ) Company : XXXX XXXX XXXX I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.
Product: Debt collection

I've asked FMA Alliance to stop calling my home looking for someone who does not live at this address. They have been calling for almost a year. I've told them several times that this person does not live here and to remove my number from their list. Each time they assure me that my number is being removed but they keep calling and it's a different person each time. They call every hour, every day.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing thorough documentation and evidence demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries persist, negatively impacting my creditworthiness. 

I have made multiple attempts to dispute and remove the fraudulent items from my credit report. Each time, I have meticulously provided evidence, including affidavits, police reports, and any other relevant documentation, to support my claims. However, despite my persistent efforts, the fraudulent items continue to tarnish my credit history. 

The presence of these fraudulent items has caused significant distress and financial harm. They inaccurately represent my creditworthiness and have resulted in denied credit applications, higher interest rates, and other adverse consequences. Furthermore, the repeated denials of my disputes have eroded my trust in your agency 's ability to conduct fair and accurate investigations. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing
Product: Debt collection

They offered settlement and before the end of payment schedule they sold my account to different company, I paid 7 installment of 10 and when I called them to pay the balance, they said the account sold. 
I received a letter from the new collector dated XX/XX/ and my payment schedule suppose to end XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, Congress states that TransUnion who is a Credit reporting agency has assumed a vital role and the banking system is dependent on the fair and accurate reporting of consumer 's information. I did not give TransUnion initial written consent to furnish and report my non public information in which is a result of identity theft. TranUnion has done so without Permissible Purposes from the consumer in violation of the Fair Credit Reporting Act. TransUnion is reporting inaccurate accounts of alleged debt in a positive balance, alleged transactional history between the consumer and the creditor. I demanded these items be deleted and TransUnion failed to do so, they can not receive verification from XXXX  XXXX for I am the only competent witness with firsthand knowledge and facts. My information is being reported under false pretenses with the collusion between TransUnion and XXXX XXXX XXXX XXXX was sent a dispute letter and has not verified any alleged debt.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have accounts on the XXXX reporting company 's that I have disputed over and over and they will not remove that either are paid or asked them to remove it cause I don't have the card the account is totally paid. I have sent disputes over and over and I just got an inquiry that I didn't do and they won't do any thing
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number # XXXX, account number # XXXX, Account number # XXXX Account number # XXXX Account number # XXXX Account number # XXXX account number # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I got scammed using zelle by a seller. I submitted a complaint to my banking institution : XXXX. I also submitted a complaint to Zelle. They both said they could not do anything about getting the money back. I refuse to believe that because Im sure they can view their records and see where the money gets wired into.
Product: Checking or savings account

I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.
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. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.