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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and remove : XXXX  XXXX XXXX Date Opened XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress redress for these violations.
Product: Debt collection

There is a medical collection debt on my credit from a Commonwealth Financial that does not belong to me. I have disputed with all three credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. I have not went to this emergency room that they are claiming and I have never received anything about this debt from the original creditor. Also this would be a violation of Hippa to share any information if it were mine with this creditor. Please delete this immediately.
Product: Checking or savings account

I had a bank account with Wells Fargo for several years. Last year they upgraded the account WITHOUT MY CONSENT and I was not aware and didn't pay attention at that time. The upgraded account had a higher account balance limit. Sometime later, when my account balance was no longer as high as the required limit, they started charging me a monthly fee. I was really surprised and angry about this thus I called to find out the fee situation, then I was informed that my account was upgraded. How could a bank change my account status without even contacting me so that they will have excuses to charge me more money that I was not prepared for? I asked to get the fee to be waived and was told they would only refund me less than half of the fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I got my credit report. I noticed there was some unauthorized hard inquiries that I didnt apply for. I sent a letter to the credit bureaus and I told them that the inquiries were not authorized and they still havent removed them. Can you check this out please.
Product: Credit reporting or other personal consumer reports

All three reports- XXXX, TransUnion, and XXXX- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The XXXX report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account XXXX : DEPT OF ED/XXXX Account number : XXXX Account name : DEPT OF ED/XXXX Account number : XXXX
Product: Student loan

Loan is in SAVE program and company demands 10 % discretionary income amount. Current law says 5 %. Did not put loan in administrative forbearance, will not provide correct new total bill.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX DEAR Experian, Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

I don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Mortgage

Mr. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, NV XXXX XXXX XXXX Loan Depot XXXX XXXX XXXX XXXX, NJ XXXX Loan Number : XXXX Dear Sir or Madam I have received your monthly invoice concerning the XX/XX/2021 payment change. 

In the invoice you have included demands to increase my monthly payment to {$2400.00}, an increase of {$190.00}. This raise in my monthly payment is due to the addition of 2 items, a Hazard Insurance policy and payment of my County Tax to be included in my monthly payment. 

You have mentioned in your demand that there is shortage in my payment. I have reviewed this statement and I did not find any shortage. You have made a false statement to justify your demands. 

I neither asked for the Hazard Insurance policy nor do I want the insurance policy. 

Regarding you paying my County Tax, I want to continue paying the County Tax myself. In fact, you have the wrong amount of County Tax due in this payment year because I receive a discount in the County Tax. My discount is because I am a XXXX veteran and XXXX XXXX  XXXX due to my XXXX XXXX XXXX XXXX in the XXXX war. 

I, hereby reject both your demand for an increase in my monthly payment for a Hazard Insurance policy and including my County Tax in my monthly payment. 

I will continue to pay only for the principal, escrow, and interest. 

I resent your false statement and your demand for trying to increase my monthly payment for items I did not request; therefore, I intend to make a complaint to the Consumer Financial Protection Bureau concerning your unwanted, unrequested, and possibly illegal intrusion into my personal affairs. 

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

Hello, The following account on my credit report needs attention : OPP LOANS Relevant Facts : -Pursuant to 18 USC 8, I owe no debt. 
-This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. 
-This company has no permission to report anything using my information pursuant to 15 USC 1681 4. 

Please DELETE this account. 


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

The car company sold me a card that wasn't working right and they didn't let me know so I returned the vehicle because the transmission was going out I returned the vehicle to the company and I called the lender and let them know but the lender still have all had all my information on credit on their credit information and when I called the lender my name wasn't even in the system when I returned the car so that's fraud and I want it off they I want it off my credit. They didn't give me back my car that I trade into.
Product: Credit reporting or other personal consumer reports

Information on my credit report is inaccurate Ive tried several times to dispute with all three credit reports.
Product: Credit reporting or other personal consumer reports

Several collection were reported on my credit report and According to 15 USC 1692 without my written consent its illegal for a collection agency to buy up my debt and come after me. please remove all collections off my credit report thank you.
Product: Credit card or prepaid card

XX/XX/2022 {$410.00} Best BuyXXXX XXXX Received email indicating a debit of the above amount was going to be debited from my account.

I called Best Buy and this is a scam as I have never enrolled in the XXXX XXXX XXXX from Best Buy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> TransUnion LLC, Subject : TransUnion Complaint Regarding Violation of 15 U.S. Code 1681a Dear TransUnion Customer Service, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that TransUnion has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within XXXX  days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy found on my credit report. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payment that was not accurate. Taking proactive steps, I promptly contacted XXXX XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

XXXX XXXX XXXX XXXX. 
I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 

Your swift attention to this matter is greatly appreciated, and I anticipate the updated information to be reflected on my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX/XXXX/XXXX ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.
Product: Credit card or prepaid card

I am a Sam 's Club member. I had always use my XXXX XXXX credit card to make payments. I was asked if I wanted to open a Sam 's Club credit card. I was told I would get more benefits. I asked, if there was a monthly card fee ~ I was told " no ''. So, I said, I would apply. I received the card and I have never used it. This card is with Synchrony Bank. I received a statement from Synchrony Bank ~ stating, a balance of {$53.00} and a minimum payment due was {$29.00}. The {$53.00} is the renewal fee for my Sam 's Club membership. *** HERE 'S THE PROBLEM *** I did not authorize this payment!! I state now and for the record this is a fraudulent charge. I bring this to your attention because, IT IS SYNCHRONY BANK WHO CREATED THESE CHARGES. 

If you need any more information from me, I will be more than willing to comply.
Product: Student loan

I have been trying for almost 2 months to get information from my student loan servicer about the terms and conditions of my student loans. they have at various points said they would send it then didn't, said it doesn't exist, said they have it but can not send it to me, said they have it but are not obligated to share it. I would like a copy of the full terms and conditions of my loan agreement. I've never had an issue with any other lenders I worked with on any type of loan to get a copy of the full terms and conditions of a loan. I've never seen a contract that was enforceable with only one or two pages of a  multi-page contract but that is what XXXX keeps saying is the case. I am asking for what I have been asking for during this entire issue, a copy of the full terms and conditions of my loans.
Product: Debt collection

Penn Credit Corp attempted to collect a debt that has been paid in full with the City of XXXX XXXX. The amount that Penn Credit has placed on my credit report is incorrect and also paid in full. They claimed that this account was opened on XX/XX/2016 for the original debtor City of XXXX XXXX, GA. 

I have disputed this with the company as well as the credit bureau and they claim I owe this to them.
Product: Debt collection

Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information. <P/>Account Name : Credit Protection Association Account XXXX Your report number : XXXX
Product: Vehicle loan or lease

I currently own a XXXX XXXX XXXX that I was making payments on of about {$650.00} a month or less. I got XXXX in XX/XX/XXXX and gave birth in XXXX XXXX I stopped working due to medical issues during XXXX and the type of job I held. I worked from home a bit but once again medical issues interfered. My car note was behind about 2 notes with a balance of XXXX. I called to pay and they charged off the account I asked if there could be some type of leeway for XXXX women who just gave XXXX and couldnt work. I had XXXX after my child and ended up being in bed a while. They gave me a XXXX settlement which I had to pay XXXX a month for 4 months I struggled and paid two months worth but cant pay the last two. I called to get an extension or lower payments and they said if I cant pay I will have to start a new settlement of XXXX which will still be XXXX a month for 4 months or they will repossess my car. It is also showing on my credit therefore XXXX can not get a loan or refinance because no bank wants to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditkarma has been reporting false information from : places of employment and credit score to certain items on my credit report, just to try and sell me on getting loans or credit cards with high interest due to the damaging information on my credit report. I have also contacted some of the original creditors and the credit bureaus about some of the incorrect information on my credit report and have been told that they either have no idea why its on my creditkarma report or that they have contacted creditkarma to remove certain items and creditkarma either didnt want to or just ignored it. This is damaging to my financial life and is preventing me from getting a fair interest score when applying for crediy
Product: Debt collection

PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.
Product: Debt collection

I XXXX XXXX have been dealing with the multiple issues running my own business during the COVID-19 Pandemic, unfortunately I was dealing with the quick growth of my business starting in fiscal year XXXX. However, as an excellent paying consumer of Santander/Chrysler Capital I respectfully request a full audit of the actual reception date, not necessarily the fund clearance date of the following payment periods : XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing XXXX late, XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing 30 days late, XX/XX/XXXX showing 60-days late, XX/XX/XXXX showing 30 days late. I do not believe that these late payment periods are accurate, and I respectfully request a reset of my prior payment history based upon the hardships from the Covid-19 Pandemic. These requests are purely from professional courtesy, and the audit review could easily be eliminated through a one-time courtesy reset. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquiries that I do not recognize. Please remove these inquiries off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX