23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. CFPA. Cash app failed to take timely and effective measures to prevent and address fraud on their platform. This left my account unprotected and vulnerable. Also their dispute resolution process is unfair and deceptive. They refused to comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. This caused me a significant inconvenience and substantial financial loss. I am seeking appropriate compensation and redress for the violations listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pen fed credit union did and hard inquiry on my acct when i only did a pre qualify the website says no impact to credit but they did a hard inquiry which made me lose XXXX XXXX
Product: Payday loan, title loan, or personal loan

This issue was already outlined in complaint XXXX and Affirm has failed to resolve it or adequately respond. 

Affirm has issues in billing my bank account where it fails to remove the money despite more than sufficient funds ( documented via bank statements in complaint XXXX ). These occur at random intervals and, as outlined in Complaint XXXX, sometimes funds were removed and then Affirm claimed to never have received them. Follow ups to Affirm customer service yield only scripted responses where Affirm never acknowledges the issue or provides any path to resolution. When I request phone support Affirm offers it and then never follows up with a call as promised. Affirm provides no other methods to get in touch with support. I have spent many hours attempting to resolve this to no avil. 

Affirm has made it impossible to pay back this loan as they will not take payment from my bank account or work to resolve it. Affirm is now threatening to send the loan to collections, despite this error being solely on their end and their lack of any real attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from over  3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX I was told that after I made my settlement payment of {$1700.00} on XX/XX/XXXX to Toyota Financial Services for my Toyota Motor Corp account that their dispute group will remove this account from my credit report but once they recieved my payment they did not do anything. I called Toyota Financial Services numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said and remove this negative account from my credit report because m currently facing financial hardship due to the XXXX Pandemic. I am XXXX Positive Im very sick and I need to downsize and move into an affordable new apartment ASAP, but this negative account charge off is affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Toyota Financial Services and even they sent emails to their dispute department on my behalf informing them of my current hardship due to XXXX and my request to have this account remove. Prior to making my settlement payment I spoke to Toyota Financial Dept. Collection a XXXX XXXX XXXX XXXX managers numerous times regarding my account they was handling Toyota and I was told this account be removed from credit report. I ' very hurt that Toyota Financial and their dispute group refused to help me. It's like once they receive my settlement payment they did not care about what anything else. I feel it's not fair that I have to suffer for 2 long years I struggled to pay my Toyota account due to financial hardship. Now that I finally settled this account with them they refuse to honor their request and remove this negative account from credit report. I reached out to Toyota Corp office pleading for them to help me. I even reach out to all three credit beau 's I did numerous disputes against Toyota Financial but they could only help s little because Toyota denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. Even though I paid Toyota Financial what I could they refuse to show Empathy and help me during my financial hardship due to XXXX. I've been a Toyota Financial Client since XXXX my account was in good standing until I had an unexpected car accident on XX/XX/XXXX that caused me to total my car and my GAP Coverage Insurance did not cover my full total loss balance which caused me to have outstanding dept with Toyota Financial. This issue ( negative account on my credit report is ) is preventing me from moving forward in my life because I can not get an apartment approval and I must move ASAP.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX I PURCHASED FROM MY BANK OF 30+ YEARS THREE CASHIERS CHECKS IN AMOUNTS OF {$5000.00}, {$10000.00}, AND {$15000.00}. IN THE FALL OF XXXX I HAD OCCASION TO USE THE CHECKS BUT COULD NOT FIND THEM. I INFORMED THE BANK AND THEY PLACED STOP PAYMENTS OF THE CHECKS, TELLING ME THAT I WOULD NEED TO WAIT FOR A WHILE BEFORE RE-ISSUANCE COULD BE MADE. I ACKNOWLEDGED THAT CAVEAT AND CARRIED ON WITH MY LIFE, EVENTUALLY FORGETTING COMPLETELY ABOUT THE LOST CHECKS. IN XXXX I CHANGED OUT THE INSERT OF MY LEATHER BOUND PHONE BOOK AND FOUND THE ORIGINAL CHECKS WITH THE CARBON COPIES TUCKED IN THE COVER. I BROUGHT THE CHECKS TO MY BRANCH WHERE THEY EXPRESSED SYMPATHY, FOUND THE STOP PAYMENT ORDER, AND ADVISED THEY WOULD TAKE CARE OF THE MATTER AS SOON AS POSSIBLE. AFTER MONTHS OF NO RESOLUTION. I WROTE A LETTER TO BANK PRESIDENT WHO REPLIED THAT " SINCE WE ARE UNABLE TO VERIFY THE DISPOSITION OF THESE ITEMS, WE MUST DECLINE YOUR REQUEST FOR REIMBURSEMENT. '' I HAVE THE THREE CHECKS IN MY POSSESSION TODAY. THANKS IN ADVANCE FOR ANY ASSISTANCE YOU MAY RENDER IN CORRECTING THE OUTRAGEOUS FAILURE OF MY BANK TO RETURN MY FUNDS.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOT ONLY CALLED EQUIFAX I'M SENT MAIL THE PAST YEAR IN REGARD TO 2 UNAUTHORIZED INQUIRIES ON MY CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am unable to " validate '' to get both my TRANSUNION and XXXX credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ) and loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that TransUnion and XXXX have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! 

I am a XXXX. I do NOT have a printer or fax machine and I do NOT drive much at all. I *do* have proof of my ID ( e.g. photo driver 's license ), current utility bills showing my address. 
I need to get my name/address info properly reflected on my credit reports AND I need a copy of my credit reports to dispute what I suspect is incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : Acct Name : XXXX XXXX XXXX with Account # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the three credit reporting agencies, XXXX, XXXX, and Experian. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX and Experian.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That XXXX is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one. Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX*** Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Vehicle loan or lease

I took out an auto loan with Santander Bank almost 3 years ago and they are not reporting my payment history to any of the credit bureaus.
Product: Credit card

added an authorized user to my citi bank credit card in late XXXX or early XXXX, authorized user was my son, XXXX XXXX XXXX ; the authorized user account was fee-free. he never used the card. on XX/XX/XXXX, i was charged a new annual fee of {$590.00} for my card and an additional {$170.00} fee for the authorized user. i contacted citi today to request that the authorized user card be cancelled -- my son had never used the card. i also asked that the {$170.00} fee be cancelled for the same reasons -- and that because the authorized user card was being cancelled the {$170.00} fee ( for the forthcoming year ) should be cancelled. 

to my astonished surprise, i was told the fee could not be refunded or cancelled! this is comparable to my being charged for a pair of shoes that i had not received and in fact had cancelled the order for those shoes, which never had been worn -- but citi saying I must pay for the shoes! 

Was told that while there was no charge for the authorized user fee last year, there is a {$170.00} fee for such a card this year -- effective, in my case, on XXXX XXXX, I talked with citi this morning after doing an on-line chat and was told that's the policy. also was " offered '' to switch cards from the $ XXXX {$170.00} card I have now to a {$99.00} annual fee card, with some unspecified portion of the {$770.00} i've been charged prorated to the " new '' card. that makes no sense. citi also told me I was notified of this change in a ten-page letter sent to me on XX/XX/XXXX, XXXX i asked for a duplicate copy. citi repsenative said she would email a copy to me. seems to me that such a major change in fees and charges should not be hidden in a XXXX mass mailing
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( wont show rest of account. despite requests but remains as a negative on my credit report ) XXXX XXXX Account Number XXXX and their unauthorized reporting practices, which have caused significant financial and personal harm. 

XXXX XXXX actions constitute willful violations of the FCRA, including : 15 U.S.C. 1681b : Reporting corporate credit information without my written consent. 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate and complete information. 15 U.S.C. 1681c : Improper reporting of adverse information without following FCRA guidelines. Engaging in deceptive practice of selectively reporting only negative information after years of not reporting one single positive account history, causing significant harm to my business and personal finances in order to force a legal settlement. Only negative items were reported when years of positives are shown nowhere on my credit report. This was malicious and willful. They continue to report negative after charge offs when accounts closed in 2022. 

these actions violate XXXX XXXX consumer protection law ( NY GBL 349 ) in addition to FCRA
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit card or prepaid card

I called capital one today to question a interested charge on my account for XXXX. They explained that because I paid my account off early in XXXX that my account went into interest accuring. My XXXX balance was {$49.00} I paid {$200.00} in that billing cycle. My next statement was {$220.00} and I paid an additional {$150.00} over the course over two months I paid XXXX but my statement was XXXX and because I paid early I got an interest charge. I've paid more then my statement amount each month. This is needs to be address.
Product: Payday loan, title loan, or personal loan

Email request for stopping of automatic payment and they still tried to pull 3 mores times resulting in excess last fees on bank account. 
Requested to set up other payment arrangements and always got the run around. Loan was sold to XXXX XXXX XXXX without any notification and eventually sent to collections. 
XX/XX/2020 They sent Final demand of payment. Counited to receive emails and text messages daily for the next month and a half requesting payment. 

Principal has been paid in full.