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

Hello, I have unauthorized inquiries being furnished on my credit report. I am requesting that they are disputed and removed off of my credit report. 

Creditor name & Date XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Navy Federal CR Union XXXX XX/XX/XXXX Navy Federal CR Union - XX/XX/XXXX Navy FCU - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX
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, there dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, Experian, andXXXX. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/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.
Product: Debt collection

I have repeated mail off letters of disputed and validation was requested of account, as well stop the daily calling too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dispute this account to XXXX, XXXX, and Equifax. 
However the credit bureaus said that they have completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
Product: Credit card

I closed my American Express Delta XXXX credit card in XXXX of 2024. I have yet to receive the {$3500.00} of credit balance on the account. American Express should just send a check to my address on file but they haven't done it as of yet. When I contacted them, they said they would do it as soon as I verified my identity. I have already verified the identity through my cell phone. I have already closed the account, they just need to send a check to the address on file which has been the same for several years. 

The agent 's supervisor also promised me that she would waive the interest charges of {$110.00} on my statement since I had a $ XXXX credit balance due to me. Nothing has been done about it so far. 

I want to lodge a formal complaint against American Express for refusing to send a check to close my account.
Product: Payday loan, title loan, or personal loan

The company contacted me via email letting me know that they were not able to take XXXX  payment because my bank account was no longer attached to their bank. I tried going to their app and it doesnt work I tried calling them theres no one to speak to they Refer you back to the app.. because the app is Inoperable I tried reaching out through social media XXXX there was XXXX person that said that he was a tech theyre not allowed to speak to people he said that he would contact them and they were con tact me through email they did they sent me a link to reset my password on a app that does not work I tried to contact them upwards XXXX times every time I email them it says that someone will get back to me and when they do get back to me probably a week later its through the email saying that they reset the password I contacted the XXXX XXXX XXXX to see if they could contact them they have XXXX complaints complaining of the same things that Im complaining about.. I would like to pay them off and be rid of them they have ruined my credit XXXX of my creditors have already lowered my Limits I want them to take the late payments off of my credit report and help me to redeem myself and I wan na pay them I want to be rid of them.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX has violated my rights.

EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

An update about whats going on Im shocked that the credit bureaus did not remove from my credit report inaccurate, false, fraudulent information which is affecting me tremendously businesses have showed me several contact methods they have in regards to reaching out to have the inquire/s removed from my report therefore I have the right to file a civil suit/ action to seek damages, compensation, and etc against anyone in violation of the laws to make certain that I have been treated fairly and equally in accordance within the laws see attachments for companies that have followed through with contacting the credit reporting bureaus in lieu of incorrect/ false, fraudulent activity on my report please note failure to do so may result in legal action against you again please remove any and all inquiries related to fraudulent activities with the matters above thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX XXXX XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

I was a victim of hacking and my bank card information was stolen and used on XX/XX/2019 to make charge to these businesses on line with the amounts shown on that date :. 
XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. {$62.00} 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. {$49.00} For a total of {$920.00} my figures could be incorrect but they are closer than US Direct Express Bank figures and I recovered {$430.00} on the XXXX of XXXX and that money was put back in my account I tried contacting that bank then but was unable to it seems they have an overload of calls nearly all the time. When I finally got in touch with them on the XXXX I filled a fraud claim and they wrote me back on that date with the attached Statement and on XX/XX/2019 I recieved another statement saying that my money had been refunded and my case was closed. The money they are talking about is not the money they were supposed to get back the money they are talking about is monies that was returned before I ever filled a fraud complaint with them and before I first contacted you people, when i talk to them all they do is make me mad because they lie to me or make me mad enough that I say something they don't like and hang up on me and yes they do lie.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. checking my file ive noticed alot of errors that are causing denials on my credit report an are not following the laws in place. none of the data matches all 3 credit reports. please reveiew an remove the information filed as asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported XXXX balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to Experian. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA 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 states that a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card or prepaid card

I have reported to XXXX several times about XXXX purchases that I never received from the merchant. The first purchase posted to my account on XXXX XXXX, XXXX, for {$580.00}, and appears on my statement as XXXX XXXX XXXX, OH. The second purchase posted on XXXX XXXX, XXXX, for {$360.00}, and appears as XXXX, OH. I never received the merchandise in the first place despite tracking information shows the shipments were successfully delivered. Carriers have been known to leave packages unattended at the porch and as such anyone could have just taken it. I never heard back from XXXX regarding any of these disputes I filed.
Product: Checking or savings account

On XX/XX/XXXX and XXXX there was fraud found in both my savings and checking accounts. I noticed on XX/XX/XXXX that there was fraudulent activity in my account and went to the bank early that morning. I spoke to there manager in Bank of America and she helped me out with phone numbers and stuff. I called the fraud phone number i was given to report everything that had happened. They gave me a claim and everything was okay after that until about a XXXX weeks later. my check from work got deposited into the fraudulent accounts and i was told they were completely shut down so i was confused. i went to the bank again XX/XX/XXXX and they called fraud for me and they were told it was apart of the risk department. so we called them and then they told me that my check was not going to be available to me and half of my check was taken due to the debts from the fraud. bank of americas manager ended up telling us to file a police report. so the next XXXX  we went in to file a police report. then when we called the risk department to tell them i had a police case number they informed me my funds were not going to be available for a few days. then i went to the bank XXXX  XX/XX/XXXX and they told me they are taking all of the available funds and putting it towards the debt from the fraud.
Product: Debt collection

ON XX/XX/2018 and XX/XX/2018, I sent letters to Ability Recovery Services to validate the debt that is reporting on my credit report. Both times, I did not receive any correspondences from them, but the debt still remains on my credit report.
Product: Debt collection

These accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Credit Plus did a hard inquiry, although I have not spoke to anyone about getting a loan of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions.

15U.S.C. credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Student loan

My loans went from XXXX XXXX to Sallie Mae to Navient. I work in a XXXX, and have been working there for 7 years. When I submitted paperwork for loan forgiveness after 10 years, I was told I was unable to do that with my loans. These were federal loans to begin with, so how can that be?
Product: Checking or savings account

On XX/XX/2023 I walked into the Citibank branch located on XXXX XXXX XXXX XXXX with a cashier check in the amount of {$15000.00} from XXXX XXXX. XXXX was the banker who handled my account and who took my check. He assured me I would be able to come back on XXXX XXXX and retrieve funds from that account. When I went into the bank on the XXXX XXXX Citibank told me that the cashier check was no good and they froze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Product: Mortgage

Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payment that is due on the XXXX until he returns home if that will happen. I know this has a serious impact on the repayment plan, but XXXX XXXX has a very serious XXXX XXXX. He is in serious condition and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the SPS payment is due now, but he needs to delay it until the end of the month or make two payments in XXXX, if possible. Because of the nature of his XXXX XXXX, he wants SPS to change the repayment plan beginning in XXXX. His condition is grave, and he may not be around to fulfill his obligation and need time for the doctors to do their work and not have XXXX XXXX be burdened because of a mortgage payment. His income has dropped considerably since he has been in the hospital due to medications and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time. 
XXXX still remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and post a foreclosure notice. He is asking for some time and wishes that SPS could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX  XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him. 
Please stop any foreclosure proceedings, XXXX can not help the situation he is in, he can not believe SPS would take the house while he is suffering seriously with XXXX  XXXX XXXX, the house will always be here, but XXXX may not survive this horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his mortgage payment for his health, and he wants all of you at SPS to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this probably next week, so please read the above and show some compassion because I am afraid, you're going to lose a good customer, would you rather have the house instead of XXXX XXXX
Product: Student loan

I recently moved my existing student loan from myFedLoan.org to another company to get a better rate. Up until that time, I admittedly had not been paying proper attention to statements, which -due to poor design- are frustrating/confusing. In any case, based on the most recent statement, I completely paid off the debt managed through myFedLoan on XX/XX/XXXX and received a cryptic ( only one of two accounts was noted ) notice to that effect onXX/XX/XXXX. <P/>I later determined, based on statements provided by myFedLoan, that I 'd overpaid and was told by the new lender, that myFedLoan would send the difference on to my new account holder, where it would be credited to my new account. <P/>When that was n't done, I went to myFedLoan website and instead of an account with a credit or a closed account, it showed that I owed an additional $ 2k+! On XX/XX/XXXX, I called myFedLoan and talked to support and then a supervisor and was told that they 'd review my account within 10-14 days and I 've had no contact since. <P/>However, since then, I 've been looking at statements and payment records and am appalled at their record keeping and their management of my account. Statements do n't match payment records and do n't provide basic information - how the last payment was applied, for instance. <P/>In short, there are two issues that I believe need higher review : first, my account and it 's management and second, their overall management and record keeping practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.