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

XXXX XXXX, XXXX, and EXPERIAN allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment that appears on my credit report, which I believe is incorrect. 

The account belongs to XXXX. 
The reported late payment date is XX/XX/year> and XX/XX/year> I have attempted to resolve this with the creditor and the credit bureaus, but they have not corrected the error.
Product: Mortgage

Fifth Third Bank Mortgage Loan Default Mortgage Loan Account XXXX Phone Call ( XXXX ) XXXX Tuesday, XX/XX/2021 Time : XXXX XXXX  Correspondence : Delivered via USPS Tuesday, XX/XX/2021 XXXX XXXX  Date : XX/XX/2021 Account : XXXX Important Information Regarding Your Mortgage Loan Default Contacts : XXXX ID XXXX XXXX ID XXXX, supervisor ( XXXX ) XXXX Call Center Supervisor Will return call later this afternoon XXXX returned call Tuesday, XX/XX/2021 at XXXX XXXX. 
Made XXXX XXXX XXXX XXXX payment {$540.00} escrow increase. 

Escrow XXXX New payment {$1300.00} Thursday, XX/XX/2021 XXXX XXXX  Missed Call ( XXXX ) XXXX My name is XXXX I'm calling from fifth third Bank I'm trying to reach XXXX XXXX if you could please return my phone call at XXXX I'm sorry at XXXX that is my toll-free line is XXXX my name is XXXX and I just wan na discuss some of your concerns today thank you very much and have a great day Returned call at XXXX XXXX  ( XXXX ) XXXX XXXX, Collections Department Told her I was dealing with XXXX, and she stated there was no such XXXX ID of XXXX. 
Put me on hold. 
Need to report to a XXXX Placed on hold. 
Attempt to call XXXX at XXXX XXXX XXXX XXXX Picked up be someone else and he disconnected call. 

XXXX Loss Mitigation and Hardship Attempt to call XXXX at XXXX XXXX ) XXXX States checks were sent via USPS XX/XX/2021 Check Number XXXX {$1200.00} XX/XX/2021 Check Number XXXX {$1200.00} Monday, XX/XX/2021 XXXX, Resolution Department XXXX XXXX XXXX will apply the {$540.00} payment towards escrow shortage. 
Will return call in 2 to 3 business days. 

New Monthly Payment {$1300.00} {$120.00} Friday, XX/XX/2021 Call from XXXX at XXXX XXXX  Still working on letter detailing resolution of escrow account and mortgage. 
Said to email letter to her to request cancellation of escrow by Fifth Third Bank. 
XXXX Monday, XX/XX/2021 XXXX XXXX  Received call from XXXX, Resolution Department XXXX XXXX She states Fifth Third Bank will not allow me to have my property appraised in order for me to remove escrow on my mortgage loan account. Just last week XXXX ( last name unknown, refused to divulge ) stated I would be sent form for requesting an appraisal after I submitted a letter to her requesting an appraisal, which I sent to her on XX/XX/2021 XXXX XXXX. 

Informed XXXX, Resolution Department, she was being advesarial with me, requested to speak to her supervisor, and she denied my request, stated she was as high as I can go. 

I told her I wanted no further contact from her.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of incorrect information on my credit report, specifically, the inaccurate addresses 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my credit report to reflect only accurate and verified information. Once these credit report corrections are completed, I request written confirmation from TransUnion, along with an updated copy of my credit report. Also, the name variations XXXX, XXXX must be corrected to match the documents I have provided. Addressing these issues promptly is essential to ensuring the accuracy and integrity of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so look! Im tired of using the codes and pointing the codes out to the cfpb and these credit bureaus! YOU GUYS DO NOT LISTEN AND YOU GUYS REFUSE TO DO THE RIGHT THING!! I HAVE PROOF! I HAVE SOLID PROOF COLD HARD SOLID PROOF!!! WHO EVER READS THIS PLEASE PAY ATTENTION TO MY ATTACHMENT! XXXX!! EQUIFAX AND XXXX DELETED THIS ACCOUNT FROM MY REPORT!! THEY PUT IT BACK ON AND DID NOT FOLLOW THE PROPER PROCEDURE NO ONE NEVER SENT ME A REINSERTION NOTICE OR ANYTHING RELATED!!! XXXX TOOK THIS ACCOUNT OFF THEY DID THEY THEY DID!!!!!! THEN THEY PUT IT BACK ON!!!! FOR NO REASON THEY NEVER SENT ME A LETTER STATING WHY!!! Yes Im frustrated and yes Im writing in all caps!!!! IM TIRED THESE COMPANIES KEEP THINKING THEY CAN XXXX US!! No not anymore!! XXXX removed this account then put it back on and they CAN NOT DO THAT WITH OUT THE PROPER PROCEDURE!!! where is the letter XXXX!????? Huh where is the reinsertion letter???? YOU NEVER SENT ONE!! Please remove the XXXX ACCOUNT FROM MY CREDIT REPORT! Please do not respond with be specific! I AM BEING CLEAR!! Please delete the XXXX ACCOUNT. I have attached proof that you deleted it and that you keep putting it back on! Delete this please! Do not respond with this item has been verified. It was deleted already and you reinserted it and you NEVER SENT ME A LETTER OF REINSERTION!! Deletion is admission of guilt and reinsertion requires a process to be followed according to the U.S.C! Please remove this and stop defaming my character! I am asking nicely. I will file suit for defamation of character!
Product: Vehicle loan or lease

I had a family member go into a small car lot guy apparently knew her allowed her to sign my name on a car with credit acceptance. It's ran my debt to income ratio where I can't even get my home loan in rent Credit acceptance is crooked and I need help. This is not right I'm XXXX. 
Drug induced people and scammers on lot put down this person paid XXXX??? It's fraud and I have no helpm
Product: Mortgage

In late XX/XX/XXXX, I opened a HELOC with Pentagon Federal Credit Union ( Penfed ). The loan was to receive a promotional interest rate of 3.25 % on any balance drawn prior to XX/XX/XXXX. My loan closed on/around XX/XX/XXXX and I drew funds prior to the end of the year to take advantage of the promotional rate. 

In XX/XX/XXXX, I received my first mortgage statement for this loan and it showed the interest rate ( and associated interest charges ) at the standard ( non-promotional ) rate of 5.25 %. I called the Penfed loan servicing department and explained my concerns and they acknowledged the discrepancy as a " known issue '' impact many accounts and that they were working on a system fix. I was told that my account would be corrected and the XXXX payment would be re-calculated at the correct interest rate. 

A month later when I received my XXXX loan statement, it was still showing the incorrect interest rate and there was nothing done to retroactively fix the XXXX payment. Once again I called the servicing department and expressed my concern. As before, I was informed that a system fix was still in the works and that my account would be fixed shortly. Later that day, a customer service manager left me a voicemail confirming receipt of my call and her exact message stated that my account would be fixed and online account activity updated to show the correction no later than Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I logged into my account to find that it still had no been fixed, despite the promise that was made to me a week earlier. I submitted a secure message to Penfed indicating that they had until Friday, XX/XX/XXXX to fix my account or I would be filing a formal complaint with the CFPB for deceptive customer acquisition practices by offering promotional interest rates and then failing to abide by those terms. I received absolutely no response from this company nor has anything been done to rectify my account. 

This is a complete misrepresentation on behalf of Penfed and the exact definition of bait and switch.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On XX/XX/XXXX I spoke to an Equifax representative via phone and explained that there were several unrecognizable inquiries on my credit report and needed to discuss getting them removed. The representative was very rude and refused to help. <P/>On XX/XX/XXXX I decided to fax a letter to Equifax in regards to inquires on my credit report that are unrecognizable. Equifax sent a generic letter stating the inquires were " factual record of file access '' with not intent to assist me with the related inquiries below : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I understand that credit bureaus are powerful corporations, but it is unfair for me as a consumer to suffer from a result of their negligence. I 'm interested in purchasing my first home in a shirt period of time, and I 'm pleading for your help to clear up this matter.
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 take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX  which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX  report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached the paid in full letter, and screenshots to substantiate all of my evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. XXXX AND TRANS UNION ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/2019, my debit card was charged 15 times to XXXX XXXX in several different states. I discovered it on XX/XX/2019 and reported it to Direct Express, They immediately cancelled the card and issued another card. They sent the paperwork via mail about the dispute for me to complete. I received the letter on the XX/XX/XXXX and on the XX/XX/XXXX, I dropped it in the mail. I was calling every other day to check if they had received it and each time they would say they have not received it. On XX/XX/2019 they advised me that I can send it by fax and on the XX/XX/XXXX I  faxed it to the Fraud Department. I called on XX/XX/XXXX to see if they had received my fax and I was informed that they received the fax. I asked when will I receive a provisional credit and I was informed that it was past the ten days from the initial call and I would not receive a provisional credit. I feel this is unfair to me because I did not authorize no one to use my card or my number. I do not understand why I have to be punished for someone who stole from me. Below is the list of the charges that was done on that card : XX/XX/2019 : XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$24.00} XX/XX/2019 : XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$38.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : {$34.00} XXXX store # XXXX Amount : {$24.00} XXXX store # XXXX Amount {$36.00} XXXX store # XXXX Amount : {$32.00} XXXX store XXXX Amount : {$43.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : XXXX XXXX store # XXXX Amount : {$27.00} These are the charges that was charged to my debit card. My SSDI check is direct deposited to this card and I was under the impression that my benefit check will be safe with them and now they are telling me that I will not get my money back because of the deadline, this is not fair at all. 

Thank you for your cooperation XXXX XXXX
Product: Money transfer, virtual currency, or money service

I currently use cash App. I have my monthly XXXX benefits direct deposited. For months Cash App has been releasing my benefits at the end of the month, when it's deposited on the XXXX of each month. I never received my direct deposit for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social security and XXXX they informed me they issued my benefits on the XXXX of XXXX and Cash App has received it, but it was never deposited to my account. The department of SS and XXXX also reached out to them to send the payment back but there was no response. I emailed 2 representatives from cash app, They both were giving me the run around saying they never received it when I know for a fact that they have.
Product: Bank account or service

I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.
Product: Credit card

I was solicited by U.S. Bank to open a new credit card which would reward me XXXX or {$750.00} after spending {$7500.00} in 120 days. I met the spending requirements, and was surprised that the divorce didnt show up. An inquiring, I was told that Im had made the requirements to wait for another week or so. This repeated eight times. Finally, I was told that I did not meet the requirements because some merchant transaction of {$100.00} was not counted because it coded as extend pay. This was not published in the terms and conditions which indicate purchases are counted. Furthermore I was given misinformation that I had met the requirements on eight separate occasions by US Bank customer support. Is the US Bank customer support had shared this with me upfront, I would have made more purchases on this card within the 120 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Product: Debt collection

The company is a collections company by the name of Oliphant USA LLC they are saying that I have an account with XXXX with a debt of XXXX I have told them over and over that I did not open this account! I told them to send me paperwork and proof and they can not! This is the only thing in collections on my credit report because I pay all of my debt! I did not open this account with these people it has to be fraud!! I'm begging to get this collection debt off of my credit report because I have worked to hard to get my credit where it is! This was placed on my credit report XX/XX/XXXX. They claimed it was opened in XXXXXXXX XXXX  XXXX. This is not my account the original creditor they claim to be is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$42.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1000.00} Highest Balance {$1200.00} Terms NA On Record UntilXXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$17000.00} Highest Balance {$0.00} Terms 36 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$4200.00} written off. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Lease Balance- Date OpenedXXXX Dispute
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two issues to deal with I hope you can help me with. The first one is with Wakefield & Associates. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report. 

My second one is with XXXX. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report