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

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. The following personal information is incorrect. The following personal information is incorrect Account XXXX XXXX  Account XXXX opened XX/XX/XXXX and XXXX XXXX Account # XXXX opened XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report, The inquiry was not authorized XXXX XXXX  on XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a personal loan that was to be for {$40000.00} through XXXX. Nationwide Loan Consultants searched for and presented this offer to me The agent for Nationwide, XXXX opened an email account in my name controlled by Nationwide to which I did not have access. They said this was " '' so I would not be inundated with spam in my own email ''. It appears that they represented that this was my email address to XXXX and that I was the one responding from the email address. 

I noticed that when deposited the loan was for more than discussed. Loan fees were already deducted. Soon thereafter more transactions with Nationwide occurred totaling 20 % of the loan amount. 

Since XX/XX/year>, the company has refused to answer multiple calls or emails requesting an explanation. The company has carefully avoided answering in writing per my request. 

Nationwide always indicated that all calls were recorded. If the CFPB obtains these recordings, they will have indisputable proof that Nationwide is engaging in deceptive business practices and told misleading statements about thier fees in order to get me to agree to the loan. This is why they have been evasive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove from my credit file
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a late payment associated with a closed account that has been paid in full. This late payment is reported solely on my credit reports from Experian and XXXX. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : CFRA ( COVID-19 Financial Relief Act ) : This law provides financial protection and relief during the pandemic, acknowledging the difficulties many consumers face. The inclusion of this late payment does not accurately reflect the exceptional circumstances that may have affected my ability to pay. 

CARES Act : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act includes provisions that protect consumers during the COVID-19 crisis. Since this late payment pertains to a closed account that has been fully paid, I believe its presence on my credit reports is unjust and does not represent my current credit history.

TILA ( Truth in Lending Act ) : This law requires clear and accurate information regarding credit terms. If I was not provided adequate information or if the pandemic situation affected my ability to meet the terms, I believe this late payment should be reconsidered.

Given the nature of this account and the mitigating circumstances, I kindly request a thorough review of this case and, if it is determined that the late payment does not accurately reflect my financial situation, that it be removed from my credit reports.

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my rights and are reporting wrong information in my credit report. These accounts only appears in TransUnion credit report and this is severe violation of the Fair Credit Reporting Act. 
In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. 
These accounts are not reporting to XXXX and XXXX credit reports, they already removed and Transunion don't want to remove the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

In our CashApp account, we noticed a {$250.00} transfer that we did not authorize to a bank we are not associated with ( on XX/XX/year> ). We found a number was added to our account that we didn't recognize, from which the fraud transfer was made. We escalated it to CashApps fraud department on XX/XX/year>. They sent us a message back and said " it wasn't fraud '' after hours of being on the phone with them and sending them proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPOR
TING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account XXXX XXXX XXXX Since XX/XX/2023, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless.
Product: Credit reporting or other personal consumer reports

As usual experian closed complaints without having addressed the problem which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back, EXPERIAN SAYS THAT PAYMENT HISTORY IS XXXX % OF YOUR CREDIT SCORE WELL WHAT HAPPENS WHEN EXPERIAN STEALS XXXX  MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY MY CREDIT SCORE DROPPED AND THEY KNOW IT AS USE IT TO SCAM PEOPLE
Product: Credit card or prepaid card

I had a spend {$250.00} and get {$25.00} by XX/XX/XXXX and spend {$200.00} by XX/XX/XXXX and get {$10.00}. I have not received these bonuses.
Product: Mortgage

In XX/XX/2018 I began working with a loan officer to help repair my credit and prepare me to buy my house from my ex husband after our divorce. The loan officer gave me very specific instruction on how to obtain a loan with a gift of equity from my ex husband, had me borrow money from family members to pay off certain debts and instructed me to not make application for the loan until after the divorce went through. I followed his instructions to the letter and when I returned to apply, I was not able to use the loan we planned out because me ex husband could not give me a gift of equity. Not only that, but the loan officer then explained he could not help me at all because he didnt originally understand the rules around that product despite giving me financial and life advice to obtain it. I was forced to sell the home with my ex husband and split the profit, which has left me homeless and struggling to prepare for another loan while I take care of my children and work. If a loan officer is unprepared to instruct a client on loan products, then they have no business doing that job. I relied on his advice and I am in a massively difficult situation as a direct result. The loan officer mentioned above is named XXXX XXXX and works for AmeriFirst Corporation out of XXXX XXXX, OH.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dropped my score. Update my file with wrong And outdated information.. they have no car win the world to hurting people like me. I work for my money, and I worked hard to pay of my own bills. This agency should not be handling credit information for the American people. They simply do not check accuracy, and they dont care what goes on the report and what hurts people. Im buying a house, I paid everything off. As it should be reflected correctly. Why in this universe would my score drop XXXX point with false information.? Why would they not check for accuracy? This is unlawful! This if fraud my reporting agencies. This should be legally dealt with!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.
Product: Debt collection

cooling & winter case number XXXX my name is XXXX XXXX. I was sent to court by this company back in XXXX. at later time I disputed the collection through the credit bureaus since the account did not belong to me. the account was open as a result of identity theft. The debt was removed from my report and now the same company came after me trying to garnished my wages for a total amount of {$560.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$400.00} XXXX XXXX {$710.00} XXXX   XXXX XXXX {$300.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}
Product: Vehicle loan or lease

On XX/XX/2020, I reached out to Wells Fargo in an attempt to refinance a current vehicle loan. After a hard inquiry on my credit, I was informed that I was approved and given my new monthly payment along with APR. I was told to check my mail as I would receive correspondence that way and to continue to make normal payments. After a few months I had not received anything nor did I receive emails or phone calls. On XX/XX/XXXX, I reached out to Wells Fargo to inquire about the delay. The first representative " XXXX '' informed me that Wells Fargo was no longer exercising refinance options for customers and that I should take my business to another financial institution. I asked to be forwarded to a supervisor and upon transfer was hung up on. After calling back, I asked to be transferred to where they were attempting to transfer me to which was the escalation department. After a brief transfer and a long pause, someone answered the phone with the greeting, " hello '' without identifying themselves. I explained my situation and stated my desire to have the hard inquiry removed from my credit since my refinance was not going to be honored. The escalation employee told me that I needed to write someone else within Wells Fargo despite being forwarded to the correct department able to handle my inquiry. The representative seemed to have had the impression that it was my fault that my refinance did not work out despite myself being informed by the previous representative that refinance options ceased on XX/XX/2020, which meant I was only given three days to respond to correspondence I never received. The escalation employee informed me that they attempted to call my cell phone but only got the busy signal. I find that hard to believe as my cell phone is always on me and always on therefore they would have never gotten a busy signal and I do believe this was an error on their part as they have the correct mailing address on file for me.
Product: Credit reporting or other personal consumer reports

there is incorrect information on my report addresses XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX there is also inaccurate inquiries on my report XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

There are missing payments on my loan lost by Santander Consumer USA. They are impossible to get help even though I have sent proof of payments
Product: Credit card or prepaid card

I have been a XXXX  member since XX/XX/2019 as an Executive member with number XXXX and also had a Citi credit Card with number XXXX XXXX XXXX. I made payments arrangement via XXXX website where i was paying minimum $ 39 monthly .Then i decided to increase my payment to {$150.00} a monthly via my XXXX  XXXX XXXX Account XXXX I was paying regularly and on time since my payment via my XXXX  XXXX XXXX account was set up on the same day my wages are deposited. Then i decided to close my payments via XXXX account since, i was making two different payments i was unable. I called XXXX and they informed me the payment has been deleted and that i will only be paying on my card via my XXXX  XXXX XXXX Account. After a couple of months i noticed that i was been charged {$44.00} on my account i called Citi and they told me it a return payment ; then i informed them that i always get email confirmation of my payments on the day my direct deposit was paid into my account. Little did i know that Citi did not delete the other minimum payment account of {$39.00} which they had informed me they had deleted. 
In XXXX i reported that my card was missing. I received a new set of cards, activated them but when i went to XXXX to make purchases, my card was rejected. Then i called XXXX and they told me my card was closed!! I asked for what reason they told me i have one or two missed payments in the last six months. But then i told them i do pay regularly because, my payments are tied to my direct deposit so there was no way i could miss my payments. Not knowing that Citi did not delete the {$39.00} payments which was the other payment i was doing. In essence I was making two different payments on my credit card. So when they told me my card was closed i was shocked!! and i felt i was not treated fairly like all other customers. I strongly feel that i have been targetted. For what reasons i have no idea. Prior to this incident, i had complained that i was not treated fairly when my credit limit was arbitrarily reduced without notice after i had made some huge purchase when i moved from XXXX  to XXXX. That affected my credit score as such i reported that i was not been treated fairly and that i was targetted as a customer which against the laws.
Product: Debt collection

Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX  ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX  issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
Product: Checking or savings account

In XX/XX/XXXX while reviewing my credit monitoring report, I noticed an entry that a US Bank account ( joint account with my wife ) was closed. I asked my wife if she knew anything about this and she did not. The next day she made an appointment with our neighborhood US Bank branch in XXXX, WA to investigate this issue. She asked the US Bank employee for more information and he pulled up our account on his computer. He said, It looks like your husband took out nearly all your money. He printed off a copy of the transaction and pointed out the customer signature line. My wife looked at it and remarked, Thats not my husbands signature!. The account had a balance of {$87.00} on XX/XX/XXXX. On XX/XX/XXXX, there was a fraudulent withdrawal of {$87.00} to this account to leave a net balance of {$0.00}, an amount below the monthly maintenance fee assessed for a low balance ( {$6.00} ), but not enough to close the account. The withdrawal occurred at a branch office over one hundred miles from my home. 

When she brought the copy of the transaction to show me, the signature was obviously forged and not a very good one. My wife contacted US Bank again and the bank employee suggested we fill out two fraud investigation forms, ( Unauthorized Paper Debit, and Affidavit of Unauthorized Paper Debit ). We did so and submitted the paperwork to the XXXX, WA US Bank branch. Several weeks passed and we did not hear anything so my wife called the US Bank fraud investigation number to check on the case. The fraud office denied our claim and said that we should have caught it sooner. 

I have not visited any US Bank branch in years and have never withdrawn any money from this account. The debit card has never been used. This account has had very little activity and no checks have been written on it in years. I have not had any identity theft issues with any of my other financial accounts nor have I lost any personal forms of identification. Because of the low-level amount of activity on this account, the only other people besides my wife and I that know of this account are US Bank employees . 

I believe I know what happened. A dishonest US Bank employee was looking for inactive US Bank accounts with low balances in the event the account owner had forgotten the account or was now deceased. The employees goal was to embezzle the money from these accounts in the hopes no one would notice the loss. The employee ( or accomplice ) forged a withdrawal in an amount slightly under the account balance, which he had knowledge of. The remaining balance is now at an amount less than the amount of the maintenance fee for the next monthly accounting cycle. Once the next monthly accounting cycle completes, the new balance ( below the monthly maintenance fee ) is too low and the account is closed. {$87.00} is an unusual amount to withdraw and ATM machines cant do this specific amount. Then leave only {$0.00} left in the account? 
The forged signature is proof the fraud was perpetrated in person at a US Bank branch and not a result from an account that was electronically hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to remove all fraud alerts. and extended fraud alerts. all any statement need to be remove