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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, XXXX XXXX XXXX XXXX XXXX XXXX  I looked over the credit report and found that DATES ARE INNACCURATE.ALSO, I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof INNACCURATE DATES, and also my current address, social security card, Bank Statement, driver 's license and utility bill This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THIS FRAUDULENT INCORRECT ACCOUNT FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNT DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, I HAVE ATTACHED THE INACCURATE ACCOUNT THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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: 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 for many, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have received weekly advertisements with credit card offers from Citi bank over the past year. I applied for a credit card on or about XXXX of XXXX. Citi bank denied my request based on stating I had too may inquiries and being that i had a bankruptcy in XXXX I was denied. My credit score and my life has changed since then and my credit score is XXXX, and I own a home. I have credit cards from XXXX, XXXX  XXXX XXXX, XXXX XXXX. My issue is that Citibank keeps sending me advertisements for credit cards and when I applied again in XXXX of XXXX they again denied me for the same reason. The reason again was a bankruptcy filed, in XXXX, this should be illegal. The law states the c a bankruptcy can only held against you for 10 years. This is going on 13 years since I filed and my credit is good and all my bills are paid on time. I believe Citi Bank is an unprofessional unorganized company and I would appreciate it if they would stop mailing me credit card offers and to get their act together and not hold something against me or others for something that has happened so long ago. Is this how a company should do business? This has also lowered my credit score because of this.
Product: Debt collection

XXXX XXXX I sent a certified letter to credit control corporation to send me validation with my original signature showing I owe them a debt of XXXX Credit control hasn't responded to my request, I also advise all three credit bureau 's that credit control  is violating my HIPPA rights. As far as I'm concerned this debt doesn't belong to me and it needs to be removed right away. There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I am not aware of them, and the company proceeded without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX  XXXX XXXX, XX/XX/2019.
Product: Debt collection

Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Credit card or prepaid card

My credit card company Self Lead Bank has been not reporting my good payment history in accordance with Fair Credit Reporting. 
In addition, Self Lead Bank has been reporting on the days opposite to which they agreed and what is listed in the cardholder agreement. 
This negligence has cause great harm to my credit as I have no late payments, yet Self Lead is failing to report these on-time payments as agreed. This credit card company is doing more damage to my credit than helping my credit.
Product: Money transfer, virtual currency, or money service

I filed a claim number XXXX for {$1000.00} It was unauthorized transfer of money into a bank account that wasnt mines.
Product: Mortgage

This is the second complaint I file through cfpd.gov. We have been trying for years to get our loan modified through roundpoint and every time I has been impossible. The loss mitigation ( XXXX XXXX is our single point of contact ) constantly tells us sorry its human error and we have to start the process over. We received complete package acknowledgments and right at the 30 days something comes up and they deny the modification and ask us to start the process again. Because of the great amount of uncertainty with Roundpoint we have worked with a XXXX  counselor from XXXX and they helped is submit a completed package on XX/XX/XXXX ( before Covid ). Four months later and we have encountered same problems and the mortgage company has denied modification and told is they had noted the account to deny any further modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Product: Credit card or prepaid card

I use my First National Bank of Omaha XXXX rewards XXXX for checking in at XXXX XXXX in XXXX XXXX. The card was to be charged for resort fee if {$40.00} and any incidentals. 
I checked out and was charged {$1100.00}. 
I called the hotel and they informed me that the charge was for dining at a steakhouse in the resort charged to my room. 
I did not dine there and an investigation was opened. I spoke to a manager at circa on XX/XX/2023 and was told that a refund has been initiated. I called back a few days later and they said refund was processed but it still showed up on my card statement. 
I opened a dispute with first national bank of Omaha, the card issuer on XX/XX/2023. 

Since then they have not helped me resolve this in a timely manner. I get transferred from department to department when calling in. 

I called circa again XX/XX/2023 and they stated refund has been issued and any further issues need to be take with the card issuer. 

I call for an update with first national and they say they are still working on the investigation. 

I received a letter from first national on XX/XX/2023 and they state they need proof from me to support my claim. Isnt getting proof part of what an inv

estigator doing an investigation is for? I call first national on XXXX and state that I have a recording of the manager saying he issued the refund. First national tells me I need to call back in two days when the investigation department is working because he doesnt know how to receive the recording from me. 

This is frustrating and I just want a resolution to something that should be straight forward and what so many other credit card issuers get right.
Product: Credit reporting or other personal consumer reports

In XXXX, I obtained a loan with Santander XXXX for a vehicle that was declared a total loss in XXXX. At that time, a remaining balance of {$3000.00} should have been covered by XXXX insurance, but this coverage was never applied. The account was charged off XXXX years ago and marked as closed. 

Upon reviewing my XXXX credit report today, I was alarmed to discover that Santander has reopened this loan, despite it being closed for over XXXX years. This action is not only unethical but also a clear violation of the law. 

I am formally requesting that Santander immediately correct this error by removing the inaccurate account reopening from all of my credit reports and permanently deleting the trade line. If this issue is not fully resolved within XXXX  days, I will have no choice but to escalate the matter to the South Carolina State Attorney Generals office. Santander certainly does not want to risk another class action lawsuit over a {$3000.00} balance that should have been settled when the vehicle was totaled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with Experian. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I sent you a FTC report on XX/XX/2025 about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit XXXX XXXX. Without my permission.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX of XXXX I had a fire in my home which displaced 6 people. XXXX XXXX and XXXX adults. XXXX children are XXXX and XXXX adult. Since XX/XX/XXXX we have lived in XXXX XXXX and our coverage with XXXX XXXX is ending XX/XX/XXXX. Freedom Bank ( Freedom Mortgage is where we have our mortgage ) has a check for {$67000.00} to start construction since the end of XXXX and multiple mishaps or miscommunications has made it so now we have lost our contractor. We will be homeless in a month with XXXX kids, I am the only employed person in the home. We do not qualify for government help because I am a XXXX. My husband doesnt qualify for disability but he cant work. There is one income. I am struggling everyday to pay for the lost, replacing clothing and toys and professional and seasonal clothing. This has financially stressed us. There is no movement and no release of money. Im struggling to pay for this life and need to be in my home. I now have to file bankruptcy because of this situation. We have experienced theft and water damage as well due to the mishandling of our claim by XXXX XXXX to our home. We need help. The hardships and impact on my family has been immense emotionally, mentally, and physically. Our entire family and animals were exposed to XXXX  by this as well. Weve been told by our bar rep to settle now to get money to start the construction, but its not enough to cover. XXXX has repeatedly delayed and have handled us carelessly, as well as Freedom. My husband has a XXXX XXXX and my child watched him be XXXX in an XXXX by their mother who thankfully got home in enough from double shifts to cover this disaster financially.
Product: Debt collection

Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " XXXX XXXX XXXX  '' AND " COMMONWEALTH FINANCES '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT
Product: Debt collection

I received a call from a company called Hunter Warfield stating that I owe {$26000.00} for breaking my lease at a rental property called XXXX XXXX in XXXX, Ga. The rental approval went through a company called XXXX XXXX in XXXX of XXXX. Im just being made aware of this issue in XXXX of XXXX. I never received a bill from anyone. I spoke with both Hunter Warfield and XXXX XXXX regarding this fraudulent matter. Both advised me to submit a complaint to the FTC, obtain a police report, and submit a notarized affidavit. Attached are the copies of these documents. I have not heard back from anyone yet. Lastly, once this situation is cleared, I would like my name removed from any rental listings that might state I have a bad history for renting. I would eventually like to move and I dj t want a negligent rental history on my record.