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

I entered into a repayment ( settlement ) agreement with American Express with repayment terms as follows : * Balance : {$7600.00} * Term : XXXX XXXX * Due : XXXX of every month or the following business day if XXXX is a weekend or holiday * XXXX XXXX XXXX : {$380.00} ( Due XX/XX/XXXX ) * Pmts XXXX : {$210.00} ( Due XX/XX/XXXX ) * Last XXXX Pmts : $ XXXX I have paid on-time and as agreed, beginning XX/XX/XXXX when the repayment plan began, and again on my XXXX payment in XXXX. 

American Express is still reporting my account to the bureaus as " 120 days late in April '' and " 150 days late in May '' and they are also adding late fees to my account still. 

This is because the settlement is handled by a separate department internally and doesn't seem to communicate to the " other '' customer service department. 

When I call in they route me back and forth in a circular fashion stating " I can't help, check with this department ..., '' etc. 

I am requesting they update my account status to the bureaus to accurately reflect I am paying as agreed and on-time since we began the settlement and repayment terms, and to stop adding late fees for payments made on time under the new agreement.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. 
The deposit has been pending since this time. 
I have called the company Cashapp 5 times and was told they would escalate the case. I emailed 10 times with no responses to any emails. Cashapp will not help over the support telephone line. They only offer email support.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX | XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquire to Loan Depot about refinancing my home. They were to do a soft credit check so I was told. I continued to shop around within my 45 day grace period. Less then 21 days I decided to go with Loan Depot. Everything has been done and completed. I notice now on my credit, I have 2 Inquiries for that particular loan. 
I called them to see if they would give me a letter stating that one of those was to be a soft credit check so I can have 1 of them removed. 
They told me not to worry for one of them was not a normal inquiry. Yet on my credit it is. They refuse to help me in this matter. I sent a document showing the 2 inquiries and still no assistance in this matter.
Product: Debt collection

I've disputed this alleged debt this year and last year and it was proven that I wasn't responsible for alleged debt. The debt was deleted but it seems like the debt was in a portfolio of debt. I'm tired of being taken advantage of and now Ive obtain counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to help me resolve the matter
Product: Credit reporting or other personal consumer reports

Once again, XXXX is providing fasle information and furnishing it on my credit report. This is the three times this week and seven time this month. totalling ten times have had to deal with this.

At this point, they are falsifying information about me and my next today is to file a suit against them to compensate me {$1100.00} for each they have provided me with this information. I also, want them to pay for my attorney and for the fee to hire a credit repai company to help handle this. 
The lender Citibank CBNA has confirmed my amount due but transunion has reported several times on their montioring website incorrect amount dues and its affecting my ability to get funding. They are reporting now XXXX before it was {$5000.00} and it should be {$290.00} dollars. I filed a complaint that it shoild if been {$2000.00} but that was XXXX bill but by the time they respond it is another amount. 
I filed several complaints and it seems that they close out a complaint before the comsumer has comfirmed what they said was done was actually done. 
Nonetheless, this is very stressful and time consuming and its cost more money to actually get results I have submiitted the credit report, the bank statement as well as circled what is in questioned.
Product: Debt collection

I just received a letter telling me that I have a debt of {$140.00} to a company called FROST-ARNETT concerning a XXXX in XXXX. The problem is that I've never been to XXXX so I can't take out a credit there
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a zero balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
TransUnion and XXXX have both deem this account as verified. TransUnion and XXXX has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and I been using cash app and they disability my account and took my money as well and their customer service didnt answer and they didnt help me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry Date : XX/XX/2018 Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I would like it removed immediately. I have contacted the Creditor and they are not responding. I would really appreciate your help in this matter which is affecting my credit.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED THIS INACCURATE SEVERAL TIMES OVER THE PAST YEAR, TRANSUNI ON ISNT DOING PROPER INVESTIGATION AND ONE OF THE INVESTIGATION TOOK LONGER THAN 30 DAYS. THE ACCOUNT IS LISTED BELOW : U.S. Bankrup tcy Court
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date of Birth XX/XX/year> SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

XXXX. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under XXXX XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX  is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX XXXX  XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX  is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXXF XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under XXXX XXXX sec. XXXX XXXX ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion fails to provide me the consumer the method of verification used by transunion when it comes to doing an actual investigation according to section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) I have asked to be given real evidence in paper documents as section 609 of the Fair Credit Reporting Act requires to. On XXXX XXXX 2024 I sent a letter demanding the way that my dispute was investigated. Till now nothing has been sent to me. Transunion is a willfull participant in continuing to harm my life and ability to obtain loans with a great interest., by continuing to report misleading information on me and furnishing my consumer disclosure to XXXX party collection companies with out a valid need.. Consumer Financial Protection Bureau XXXX XXXX XXXX ) I would like this issue to be resolved effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the recent Equifax data breach. Equifax has indicated my personal information was likely stolen. Given the amount of highly personal information Equifax has about me, I 'm now at a great risk for personal identity theft, and will have to take many additional measures to safeguard my identify, all of which are not full-proof given that they can be circumvented with the very same info that was stolen. Equifax, while a victim themselves, must take action to assist me, and many others in securing our identify once again.
Product: Debt collection

XXXX CFPB, RE : CFPB Case # XXXX We received an email from the CFPB on XX/XX/year> advising us that CFPB Case # XXXX was forwarded to the OCC for review because the CFPB didnt have the 3rd Party Debt Collector Watanabe Ing LLP in their database . 

On XX/XX/year>, we received a call from an OCC representative advising us that OCC doesnt investigate Debt Collectors, therefore the OCC officially told me to officially tell the you ( the CFPB ), that the CFPB ( 1 ) needs to immediately reopen the existing CFPB Case # XXXX so that our family doesnt miss the 30 day deadline in reporting Fraudulent Debt Collectors pursuant to the FDCPA and ( 2 ) that the CFPB immediately needs to add Watanabe Ing LLP to their database ( as the CFPB protocol allows ) and to investigate and prosecute the complaint ( CFPB Case # XXXX ) that we originally submitted, but to only investigate/prosecute Watanabe Ing LLP 3rd party debt collector role and not American Savings Banks role ( which the OCC will investigate/prosecute ). 

Also, we have additional admissible evidence in regards to XXXX XXXX XXXX that please needs to be investigated and prosecuted by the CFPB. Please see XXXX XXXX # XXXX ( attached ). 

Thank you for your prompt attention to these matters, we appreciate you! 

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

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$7100.00}
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. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX XXXX nonstop this is exhausting im XXXX they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX  The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 XXXX more than XXXXXXXX XXXX in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Quicken Loans is using inaccurate information to compute my escrow payments. The XXXX payment for property tax on my home was {$3800.00}, paid by Quicken Loans from the escrow account in XX/XX/XXXX. 

An escrow account analysis performed in XX/XX/XXXX claimed the XXXX property tax payment estimate to be {$8700.00}, more than double the XXXX property tax. 

I spoke with the person in the XXXX XXXX County Treasurer 's office about the estimate for property tax being used by Quicken Loans and he stated that my property tax would not increase anything like the amount Quicken Loans is using in the escrow analysis and that the XXXX taxes could increase 1-1/2 to 2 percent. 

I spoke with a person at Quicken Loans about the escrow analysis and she stated that the projected XXXX property tax information came from the XXXX XXXX County Treasurer. The person I spoke with said it is unlikely that his office provided the estimate to Quicken Loans. 

On XX/XX/XXXX, I wrote a Qualified Written Request and Notice of Error to Quicken Loans at the address they provide for disputes or errors. I identified the error in the escrow account analysis, requested they change the analysis, and also requested they provide the source of the information being used for the XXXX property tax estimate ( Request for Information ). 

I failed to receive an acknowledgement of my letter and still have not received a response to my letter from Quicken Loans. 

I am continuing to make payments in accordance with the faulty escrow account analysis results.
Product: Credit reporting, credit repair services, or other personal consumer reports

So there was an account that was reporting on my credit report from XXXX XXXX. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.
Product: Student loan

I sent Navient a very thoroughly completed School Misconduct Application ( see attached below ) with many examples of obvious misconduct. I also included articles about misconduct and bad practices that Navient and the XXXX XXXX had been participating in for years. I also included the effects that these student loans have had on my physical and mental health as well as how it has affected potential job prospects. Despite all of my supporting evidence that I submitted, I was denied without any explanation. 

My application was denied with no explanation, opportunity to appeal or provide more documentation. They just sent a generic letter ( see attached below ) that said, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I reached out to Navient asking them to provide reasons why I was denied and what documents they need from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXXraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ).

They refuse to correct information after being provided proof of  inaccuracy.