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

See uploaded attachments. TranUnion forces account set-up to obtain a credit freeze. The identifying account 'security ' questions may have been established 10 's of years ago to gain access, for example for me " what is your favorite car ''. Since I ca n't recall what was submitted the next steps involve contacting Transunion who did not answer the phone and next cut off the call, and gave me a new # to call trying to sell more products without fixing the problem.. 

Enormously frustrating and unnecessary. Do I really need to remember my favorite car from 15 years ago to put a credit freeze on my account on-line? 

XXXX now was easy, a few clicks of identifying information and the security freeze was in place with a confirmation #. 

Transunion appears to purposely under-support consumer efforts to set up a credit freeze, anything not aligned with them selling a preferred product. This needs to be better regulated, more accessible, a complete waste of my morning chasing this down, still without resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX I ( XXXX XXXX XXXX ) opened a secure credit card with capital one with a {$1000.00} credit limit. On XX/XX/XXXX I closed the account ; before I ever received the actual credit card. I was told my money would be refunded to me within two months. Sense then I have called atleast twice a week trying to get Capital One to give me back my money. They told me, in XXXX, that their was a fraud issue with my account. I did everything I could to clear up the fraud concerns. On XX/XX/XXXX I was told, in real time, that the fraud alert was lifted. I was told to expect a check in the mail within two weeks. Two weeks passed, I called and I was told by customer service supervisor that the check was canceled. They told me that my check was returned because my adress does not exist. My fiance has a credit card thru capital one, they send him letters in regards to his credit card all the time to our address. On XX/XX/XXXX I was told by a customer service rep. that they were flat out not going to give me my money back! I have not received a single peice of documentation in regards to this account ; via email or regular mail. They refuse to even give me an account number. They are literally refusing to give me back my money. Can you please get me back my money? These people literally went into my fiance and I bank account and are now refusing to give me back my money. I even tried to get my bank ( chase ) to get the money back from them in XXXX. They refused to give the bank back my money. These people have caused me nothing but grief. {$1000.00} is alot of money to me. Please, this has gone on long enough. Now everytime I call they just pass me around to different departments, telling me someone will call me in seven days. I never get a phone call. They have told me someone was going to calm me atleast five different times. Nobody ever calls. Please please get me back my money!!!! These people are literally stealing from me!
Product: Credit reporting or other personal consumer reports

This creditor engaged in XXXX XXXX and XXXX practices of the XXXX which it prohibits. According to 15 USC 1666b it is a XXXX error I did not receive a statement XXXX days before the late XXXX error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

I went to the XXXX XXXX XXXX  official website. I checked to receive all three reports. 
On my second try, I finally was able to get the TransUnion Credit Report. Two pages were difficult to print as it appeared on the site. On XX/XX/2024, I went back to the website and tried to print the other XXXX reports, but the site kept coming up errors. It is not clear on the site how to get your credit scores. It is very confusing. The bottomline is that the bureaus need to just give consumers their scores FOR FREE TOO with this annual reporting. Now, after your initial request for a XXXXmonths report later in the year, perhaps consumers can pay a fee for the credit scores, but this process needs to be simple! We are lured into getting some ACCOUNT for credit checking and that is unnecessary! Stop the usury and exploitation! Just add a button on your website to purchase ALL three scores at once for a reasonable fee and stop holding us hostage with these monitoring accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 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, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

They're trying to collect on a very old debt and recently added it as a derogatory account to my credit report after it had previously fallen off due to statute of limitations and the fair credit reporting act. They additionally have provided nothing in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX yrs of payments not showing in XXXX report vs XXXX
Product: Debt collection

HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments below : COMENITY BANK/LNBRYANT # XXXX COMENITY BANK/XXXX  # XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

1. in XX/XX/XXXX, our mortgage lender ( XXXX ) sold our loan to a new company XXXX XXXX of XXXX , TX . WE ( borrowers ) were not notified for 4 months about the change of finance company. Todate we borrowers have not received statement of what amounts were received from XXXX ( previous lender ) Payments were not credited to the new lender ( XXXX XXXX ) meantime, The new lender ( XXXX XXXX ) has been sending us notice of DEFAULT AND INTENT TO ACCELERATE ... .. per letter dated XX/XX/XXXX. we have send letters to XXXX XXXX  ( 4 times, every month to explain and that they need to give us all the records of payment received, letters were sent via certified mail, but no response other than what amount they want to collect, and threat of Default .... ( also, urging us to refinance due to the fact that we have a very low mortgage rate at this time.
Product: Money transfer, virtual currency, or money service

I am here to file a complaint against Cash App ( Block , Inc ) due to violations of CFPA which include but not limited to inadequate customer service. It has come to my attention that Cash App failed to protect my information from fraudulent activity, which left me unprotected and vulnerable without my knowing. Furthermore, their dispute resolution process does not comply with the error resolution requirements under the EFTA and Regulation E. These actions have caused continuous significant inconvenience and financial loss, leaving me to ask for appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2022 say I was XXXX  days late. False. I made this payment in time.
Product: Credit card or prepaid card

I resent Citibank and XXXX XXXX XXXX using resources generated by my use of their credit cards to promote XXXX control. I am XXXX XXXX XXXX, a XXXX, have a carry permit and support the XXXX. It is a hassle to change credit cards but that will be my next step.
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 I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT NUMBER : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX  XXXX, someone created XXXX  XXXX  account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so bank of america is the only one who need to resolve this as i am bank of america customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.
Product: Credit reporting or other personal consumer reports

This inquiry needs to be removed immediately. I do not have 90 days to wait. In 90 days I will be homelsss. Hurry and remove
Product: Credit reporting or other personal consumer reports

1. I am writing to dispute the inclusion of an account with XXXX XXXX  on my credit report. The account was a secured credit card that I opened on XX/XX/XXXX, and closed voluntarily in XX/XX/XXXX. The account was always in good standing and never had any late payments, as reflected in the payment history. 
The account status is listed as 'Paid, Closed/Never Late, ' which is accurate ; however, I believe this account should not remain on my credit report until XX/XX/XXXX, as it is closed and no longer active. Keeping it on the report serves no purpose and may negatively affect how my credit profile is evaluated.

2. I am disputing the accuracy of an account reported by XXXX XXXX XXXX on my credit report. This account pertains to a rental property shared with my former roommate, XXXX XXXX. We moved into the apartment with a {$1200.00} security deposit and paid our last months rent as required. 
The reported balance of {$1200.00} is inaccurate. The security deposit should have been applied to any outstanding charges, and there were no additional fees or unpaid rent upon vacating the property. Furthermore, I have not received any documentation or invoices from the original creditor, XXXX  XXXX NC, or XXXX XXXX XXXX to validate this debt. 

3. I am disputing the accuracy of an account with XXXX XXXX XXXX  XXXX XXXX my credit report. This account was opened on XX/XX/XXXX, as part of a credit-building program with a total goal of {$720.00}. The concept of the program was that I would make monthly payments of {$9.00}, then {$25.00}, and eventually {$35.00} until I reached the full amount, at which point the funds would be returned to me. 
However, I did not complete the payments, and the account was closed by XXXX XXXX Bank XXXX XX/XX/XXXX. While I understand the closure due to nonpayment, I believe the way the account is reportedshowing XXXX and XXXX  days past duedoes not accurately reflect the nature of this credit-building program, as no money was borrowed or spent by me. 

4. I am disputing the accuracy of an account with XXXX Now listed on my credit report. This account was opened as part of a financing agreement for the purchase of a couch from XXXX XXXX in XXXX XXXX NC. The total purchase price for the couch was {$2000.00}, but the couch was never delivered despite several months of waiting. 
I contacted both the insurance company and the owner of XXXX XXXX, explaining that the couch had not been delivered. Despite this, the owner insisted that I pay a cancellation fee of 25 % ( {$410.00} ) for a product I never received. I never signed or agreed to pay this cancellation fee, and I refused to pay for something that was never delivered. 
As a result, XXXX Now reported a balance of {$4400.00} on my credit report, which I believe is inaccurate. The reported balance does not reflect the fact that the couch was never delivered, and I should not be held responsible for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX , PROFESSIONAL DEBT MEDIATION, and XXXX XXXX , XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX PROFESSIONAL DEBT MEDIATION, and XXXX XXXX, XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card

Chase XXXX XXXX just continued to charge interest & late fees on closed accounts without informing us, resulting in non-transactional charges.
Product: Debt collection

I started to dispute this account last year before the pandemic hit in 2020 and this negative account has been reporting on my credit file. This company keep reporting to the credit bureaus that I account is mine but they never show actual proof to me nor credit bureaus. This is affecting my ability to obtained credit and from buying a home. This company has sold debt, and doesn't have the proof that I own debt.
Product: Money transfer, virtual currency, or money service

scammers transfer my money to there account through cash app no limit was made no one contacted me about all the money leaving my account.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complainsft stating it is not me. I am a natural person and a consumer.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Credit reporting

XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.
Product: Debt collection

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$17000.00}
Product: Money transfer, virtual currency, or money service

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 violations
Product: Vehicle loan or lease

Sir or Maam, One Main Financial had decided to constantly contact me numerous times without any remorse and empathy with the facts given over the phone by me earlier this month. I told them that it would be some changes and little payments due to a change of jobs, income, and hours on the current job. It seems the more the company knows about me, the harder they try to constantly harass me once they find out my number. Regardless, if they are doing their job by following the procedures, they are not permitted on the property by me. I have emailed and handwrote letters in a response. They seem to like confrontations and derogatory happenings around me, which is unprofessional and unacceptable behavior from the horrible XXXX XXXX representative that I last spoke with, which I could care less about even speaking to anyone in that company. Its bad customer service and I wish all of the pressure in return to that business.