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

I am writing you as the Beneficial Owner of the reporting account, chose-in-action with you as the National CRA and reporting unlawfully converted chose-in-action accounts with the data furnishers, each associated with my social security administration card number, you are the resulting trustee based on the maxim a trust will not fail for want of a trustee. Meaning you are the trustee by default without the need of a formal appointment. As fiduciary, I am witnessing you aiding, abetting racketeer-influenced corrupt organization data furnishers involved in involuntary servitude, peonage, and debt bondage with unfair and deceptive trade practices in violation of the 2022 National Defense Authorization Act. CRAs, like many organizations with user, terms of use, account, and any other public-facing agreements, are crafted and executed by the unauthorized practice of law by a corporation or trust as a systemic-wide custom. 

As fiduciary, you have not held up to the duty of loyalty, prudence, and disclosure. 

Currently, there is a breach of good faith and fair dealings with your implied agreement for the use of my personal private information, a breach of trust, a breach of fiduciary duty, and a conflict of interest between you as fiduciary and myself as the beneficial owner of the account. The estate nor beneficial owner of the reporting account benefits from your adverse reporting of any detail, other than paid as agreed or paid-in-full in the revenue-generating reports sold to members and subscription holders known as data furnishers. 


12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. Failure to block/remove specific adverse information such as payment status is a violation of the FCRA Section 605C.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours 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, and I seek appropriate redress for these violations. They allowed someone in the chat to get full access to my account so they gave someone my information and told me to change my thing they whip my account and bank account that was attached which was over 2000 they sent people money I didnt know they still are scamming
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised Bank of America this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the Bank of America account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with Bank of America and still has yet to be assigned to  an investigator. My account  was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  14-21 days no w I 'm being told 60 days and was hung up on today after requesting to speak with  a manager.  Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

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

Transunion has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX is on my credit and I don't know why but someone did steal my wallet and got my information I don't know that could be the cause of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX Amt {$6300.00} Date opened XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX  XXXX, The claim # is : ( XXXX2022-XXXX  ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX ( Finance ) delete it from my credit report, XX/XX/, 2022 Hard Inquiry : XXXXXXXX XXXX ( Finance ) delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/, 2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Last year I called to cancel the credit card with XXXX XXXX and thought my request had been honored. I was told that it was cancelled and I paid my club membership fee. Recently, I called the customer service number which started my being bounced from collections to customer service. I sent a letter to all three credit bureaus to close the account. I did not activate the credit card. I sent a letter in the month of XX/XX/XXXX stating that the account should be closed. As the representative misrepresented the truth last year I was told to pay the club fee by phone and she would waive the annual fee for the credit card. I was told the only way to close the account was to give her my account number to pay the club membership and she would then close the account. For me it was too much confusion to give someone permission to withdraw funds from my checking account and no way to verify the completion and finalizing of the transaction. She verified that the only payment on the account was on XX/XX/2018, of {$45.00}. I did not choose to continue the credit card and have since on numerous occasions requested that the credit card account be closed. The credit card number is XXXX XXXX XXXX XXXX, the account number on the statement is XXXX XXXX XXXX XXXX and the store club number is XXXX. There should be no " running charges '' or " annual fees '' for a credit card I did not activate and requested to be closed. The only charge that should be incurred is the club membership.
Product: Debt collection

Violation by XXXX and XXXX Summary of Issue : I am filing this complaint regarding XXXX and XXXX contacting me regarding a private debt unification service without my consent. I never authorized any form of communication from them, nor have I discussed or initiated any form of debt consolidation or unification inquiry with this company. Despite this, they sent me an unsolicited email containing information about debt unification, which I consider a violation of my privacy and an intrusion into my financial affairs. 

Details of Complaint : XXXX. Unsolicited Contact : XXXX and XXXX reached out to me via email without prior consent, approval, or initiation on my part. 
XXXX. Privacy Concerns : The email contained information related to private debt unification services, which I did not inquire about. This unsolicited outreach raises concerns about how they obtained my information and whether my personal data is being shared or misused without my permission. 
XXXX. Lack of Prior Relationship : I have no prior relationship with XXXX and XXXX, nor have I ever provided consent to receive communication from them regarding debt-related services or any other financial products.
Product: Credit card

Long story short, my credit limit was at {$4000.00} and for some reason you guys dropped it to {$1300.00}. I have approved flex charges from XXXX that charge my card each month. Because you Synchrony Bank lowerered my limit without my knowledge and without notification, I had a bounced flex payment. I am legally required to make minimum payment or more and because my sudden decrease limit, I had a bounced flex payment. I had to pay more than the minimum payment to keep my contractual agreement with XXXX. What synchrony bank is committing is the Unfair Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX and XXXX say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while XXXX is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Product: Prepaid card

I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.
Product: Vehicle loan or lease

Today XX/XX/XXXX I received a letter from Southeast Toyota Finance where I have an account I nver been late, even so this last XXXX I did three aditional payments into my account after several intents, emails to contact them I thought that everythig was clearly explained, but today I received a letter from Southeast Toyota Finance trying to collect debt of {$250.00} bill that I alreay paid in fact they charged me {$40.00} latest fees that they told me that will be refunded but they are not plus, they are treating me to collect this debt or they will report it into my credit report. 

As I said before on my complaints, Southeast Toyota Finance is just lying not only about me if not about thousand of people, in the same situation that me. 
They are trying to add as must lates fees as they can, and misslending people accounts in their own benefits. 

Problably the best thing we can do is to sue Southeast Toyota Finance in court for all damages they in doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019 I called XXXX XXXX asking to close my account and they confirmed they did ; however, it keeps showing in my Transunion credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.
Product: Credit card

I've been trying applying for an Apple credit card for the last four days. Most recently today XX/XX/year>. 

I keep getting declined because " We are unable to verify your residential information ''. 

I called the number at the bottom of the email. They told me to call XXXX. I called XXXX and they said it is an Apple problem. I've made about three calls to each company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized enquiry by XXXX XXXX on XXXX of XX/XX/2022 on my Equifax should be resolved. 
Equifax has failed to do a reasonable investigation and have stonewalled my several requests to comply, now I believe they owe me money since the time allowed for them to do a reasonable investigation has passed.
Product: Credit reporting

Well my identity was stolen and there were credit inquiries on my credit that I did not do, I called XXXX and XXXX they put a fraud alert and removed the items. I contacted Equifax 10 times 10 different phone calls with 10 different reps some said I needed a police report, other said I needed to contact the agencies reporting I tried to do both l, I went to my local police department and they said because there was no lost or damaged that it was only inquiries they ca n't file a report, I contacted all the companies some no response and others said the information verifies of course it does my information was stolen so I called Equifax back again and they said there is nothing they can do so I have to wait 2 years! That 's ridiculous when I 'm a Victim here there inquires not collection accounts just inquires which both XXXX and XXXX removed with no problem I do n't understand why I 'm being victimize more by this inconsiderate company I wanted to buy a house in a year do u think I 'm going to be able to with dozens of fraudulent inquires there representatives are insensitive and careless when it comes to my personal life I 've been back and forth with so many supervisors that says there nothing they can do why is there no policy or procedure for this kind of thing i ca n't force the cops to make a police report, i ca n't force the companies to delete who protects us the ones who did n't ask for our identity to be stolen its sad that I do n't have the back up like XXXX and XXXX secured me on this company is the worst I 've never dealt with anything like this before and it makes me think this company stole my identity since there so defensive to help me.
Product: Mortgage

In XX/XX/XXXX loan modification process began with Wells Fargo Home Mortgage Inc. Consistent delays by Wells Fargo increased my initial home mortgage of {$100000.00} to a modified loan of {$140000.00}. Every month the loan modification was delayed inflated the mortgage amount. 

TIMELINE : XX/XX/XXXX - foreclosure notice was received and I retained XXXX, XXXX and XXXX, ( XXXX ) as my attorney to assist with the loan modification process. NOTE : XXXX has all documentation. 

XX/XX/XXXX - first Mediation meeting - Wells Fargo did not attend. I attended with my attorney. 

XX/XX/XXXX - second Mediation at which time Wells Fargo had no information as to the modification and advised and a new form was required that they had not sent me. 

XX/XX/XXXX - Wells Fargo did not advise my attorney that a loan modification was approved. 1 ) HARP approved a permanent home loan modification, however, Wells Fargo did not present this information to my attorney who only learned about it in XX/XX/XXXX ; 2 ) Wells Fargo changed attorneys was the reason given why we were not made aware of the HARP approval ; 3 ) since we were not aware of the HARP approval, the HARP/TPP was not made and therefore the loan modification process had to start over. 

XX/XX/XXXX - I agreed not to block the foreclosure with the understanding that Wells Fargo will continue to work through the loan modification process. 

XX/XX/XXXX - my attorney was advised that the loan modification had been approved and the foreclosure was stopped. 

XX/XX/XXXX through XX/XX/XXXX - repeated calls to Wells Fargo requesting information as to the permanent loan modifications and documents.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had an outstanding debt with Capital One for XXXX XXXX I paid it in full, Capital One reported that I did so and my credit score was adjusted, but then they sent the same debt that was paid in full to XXXX XXXX  collections and they keep saying that it has not been paid in full. I have the bank records of paying it off in full, as well as the recorded payment in full as related to XXXX XXXX, and to all three credit bureaus, but XXXX XXXX as well as Capital One refuses to remove the false debt report from my accounts. Capital One and XXXX XXXX are both NEGLIGENT at best, and I believe that persisting in trying to collect a debt already paid in full is a criminal act that they are willfully perpetrating on me. I have approached both Capital One, XXXX XXXX and my Bank has provided them the records attesting to the fact that I have INDEED paid that old debt in full. NOTHING I have said or done to either entity has stopped them from fraudulently ruining my credit score as they repeatedly try to collect on a debt already paid. I have filed disputes to no avail. Now I want your help with these giants of deception and fraud, please.
Product: Debt collection

Credit report shows a balance for XXXX insurance. My XXXX insurance account auto policy XXXX was closed and paid in full XX/XX/2020.