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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate Texas Laws Dear XXXX, I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Product: Credit reporting

There are a couple of addresses listed on my credit report that DO NOT belong to me. I 've never resided at the listed addressesXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX, AZ XXXXPlease remove from my credit reports. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries on my credit report that I dont recognize. This is causing me from getting credit. I need this deleted immediately.The inquiries I need to be taken off my credit report are 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/XXXX XXXX XXXX XX/XX/XXXX In total its XXXX inquiries that I need removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Credit card or prepaid card

We are going through financial hardship due to Covid-19 but still, I Made my Payment in full on XX/XX/2020. {$840.00} They never notified me of this action I was still charged with finance and late fees of {$18.00} spoke with the merchant. they saw what when wrong they waived the fees. And said they can't do anything about the Credit reporting. now I can not get a mortgage because of this mark on my credit and the company will not help me this very unfair situation.
Product: Vehicle loan or lease

On approximately XX/XX/XXXX I was involved in a motor vehicle accident and the vehicle was deemed a total loss. My insurance carrier, XXXX sent a payment to Chase in the amount of {$8800.00}. The check was cashed and applied to my account on XX/XX/XXXX. Unfortunately GAP, which in NY state is required by law deemed the vehicle under valued and requested a valuation and breakdown of the vehicle. That was sent on XX/XX/XXXX to Chase and forwarded to the GAP supervisor, named XXXX. He was forwarded this information XX/XX/XXXX and on XX/XX/XXXX. He has yet to review the paperwork and approve the settlement so the case can be closed. I am still making payments on the loan and at this point I am due a refund. This mva occurred in XXXX and we are a few days shy of XXXX. A quick resolution is imperative.
Product: Checking or savings account

I received 3 random emails with the subject, " USAA Online Profile Changed '' between XXXX EST about someone else. When I reached out to USAA about the emails, USAA made every effort to never resolve the issue. This began with an automated system that took 100+ times of hitting XXXX with the occasional request for an agent before I was finally transferred to XXXX XXXX I called back a few minutes later & spoke to another representative. Despite the email having nothing to do with me, they will not move forward with " authenticating '' my account. When I stated to select, customer does not have an account, I was told that that option was not available. Both USAA representative refused of escalate the call when I request a supervisor & hung up on me without providing any explanation or remedy. 
Additionally, USAA 's lack of care to resolve this shows that they not only care about me the person calling, but also do not care about the person whose information that I was sent. There are obvious security risks at USAA and based on my call, USAA could not care less. 
1 of 3 of the emails should be attached
Product: Credit card or prepaid card

This incident happened XX/XX/18. I had transferred money on my American Express Serve account. Lost my card and was unable to access my money.
Product: Checking or savings account

I opened a new Bank of America checking account under a new account promotion of {$300.00} for meeting certain requirements. I met those requirement, and Bank of America acknowledges that, yet paid out {$220.00} instead of the {$300.00}  promised. I made several calls to the bank and they state they took out taxes from my bonus. I spoke with several representatives and asked for the remaining amount of my promised bonus as per their advertised terms and was denied. 

I also received a letter dated XX/XX/18 stating I had qualified for the bonus payout and that {$300.00} was deposited on XX/XX/18, which contradicts what they did which was deposit {$220.00} on XX/XX/18. 

The bonus terms which are clear as to any taxes due on the bonus being my responsibility, states the following : " If you meet all the requirements for the {$300.00} Checking Account bonus, the earned bonus will be deposited directly into your new checking account within sixty ( 60 ) days of meeting the qualifications. Your new personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. 

All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them. You will be issued a XXXX at the start of next year. '' Lastly, I am not subject to tax withholdings and indicated so on my application ( in case that has anything to do with this issue ).
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting

I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX
Product: Credit reporting or other personal consumer reports

I received my received my credit report on XX/XX/, from Transunion, XXXX, and XXXX. Some information I do not recognize and inquires I didn't not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed disputes with Equifax, XXXX and XXXX regarding XXXX ( dba XXXX XXXX, servicer " XXXX XXXX  ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by XXXX incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, XXXX ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the Credit Reporting Agencies to review the dispute results and credit report updates reported. XXXX 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of XXXX ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the Equifax and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by XXXX, regardless that CRAs have the document evidence that the information proof that XXXX is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called XXXX ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only three months of mortgage payments have been by XXXX XXXX. I am directly being severe harmed financially and my ability to obtain XXXX  financial aid ( XXXX  loans ) is directly harmed by the decreased credit score. My daughter is going into her second  year of XXXX  for XXXX XXXX. My credit score is directly used in the XXXX XXXX XXXX XXXX XXXX Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my Federal Credit Union, who told me to wait 6 months for the XXXX to show my mortgage historical account information. I will not be able to send my daughter back to XXXX  in the Fall XXXX if I am unable to secure XXXX XXXX XXXX XXXX XXXX loan because of the harm that XXXX ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.
Product: Checking or savings account

I was charged an overdraft fee on Monday XX/XX/2024 for a withdraw that was taken out Friday XXXX XXXX  2024. At the end of that business day on XXXX XXXX 2024 there were sufficient funds. I have a screenshot of the balance at the end of the business day Friday XXXX XXXX, 2024 as well as several screenshots from that day and Monday XXXX XXXX 2024. I spoke to the bank and was escalated to a department that claims they researched and that the overdraft fee was taken because there were not sufficient funds in the account. They claimed that was the highest I could escalate this matter. I told them I had a screenshot as proof that the withdraw came out on Friday XX/XX/2024 and that there was even a balance in that account at the end of the business day, but she wasn't concerned with the fact and did not ask to see the proof I had. Just disregarded the proof and apologized that I was upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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
Product: Money transfer, virtual currency, or money service

Used PayPal to transfer money and was advised that there was a cancellation policy. The policy is purposely misleading. There is no cancellation policy at all. Not only is there not a cancellation policy but the refund policy is extensive and takes 90 days. 

I was advised to have my bank do a reversal and my bank stated that there is no such thing as a reversal. I called back after speaking with the bank and the supervisor ( XXXX ) was rude and dismissive and hung up the phone. I called back and placed on hold for an indefinite amount of time. 

Preying on consumers and purposely holding onto their funds extended periods of time.
Product: Money transfer, virtual currency, or money service

Ive been using cashapp for years. Recently I had a large deposit made ( large amount ) and I suppose they thought it was fraud. I currently have {$70.00} in the account that I cant deposit to my bank or send to anybody else. Cashapp disabled my card and froze my account without any type of email or contact on regarding the issue. Ive tried reaching support but no answer. please help!
Product: Bank account or service

I signed up for a citigold account for a promotion that promised me with XXXX XXXX miles bonus after I meet certain requirements. I was told I met the requirements, but they never gave me the miles.
Product: Checking or savings account

I am not sure why this happened and I made it clear to navy federal that I am a victim of identity theft. I informed them that relatives used my account without my consent and possibly could be the same scenario. I guess the account was open in XXXX and I informed them I don't have or never had Navy federal. I've submitted them reports of fraud recent as XXXX from relatives and they still keep denying me an account. I was told they need more proof supporting fraud and this is like the only way. I've done all I was suppse to
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with XXXX, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : XXXX XXXX XXXX XXXX
Product: Student loan

I am working toward Public Service Loan Forgiveness and have FedLoan as my servicer. Four payments ( each applied to 2 loans ) from XXXX and XXXX are incorrectly listed in my account as ineligible for PSLF, and in XXXX I requested that these payments be reviewed again for PSLF eligibility as soon as possible. My loans were serviced by XXXX and FedLoan respectively during these periods. I have been employed since XX/XX/XXXX at an eligible 501 ( c ) ( 3 ) employer and, since I began repayment on my qualifying loans in early XXXX - after federal loan consolidation - I have been on income-based repayment and have only ever made on-time monthly payments on my qualifying loans. 

On XX/XX/XXXX I received a message in my account that FedLoan reviewed my account. It states that their records are correct and that they consider the matter closed. Although my payment due dates changed slightly over the years that I have been making payments, I have always made one qualifying payment per month. I am truly am at a loss as to why these wouldnt be eligible toward PSLF.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The following companies have reported charge offs on my accounts & have failed to send me a 1099-C in order for me to report as income. I'm sure they wrote off my balances on there profit and loss sheet. Plus they are still reporting that I currently have a balances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Address shown is not mine nor was it ever, I have requested this be removed but it still appears.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 was scammed. I need hay and was told to put a deposit down, {$600.00} to hold. Used XXXX. Then after I submitted I read on the XXXXXXXX XXXX XXXX where several people are searching for hay to buy have claimed of this scam. They had screen shots of their conversations and me too. They are the same actions. Also, after I sent the money the name of the person it went to showed to be different than who it was supposed to go to. I need help to recover my money.