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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been in dispute with Santander Consumer USA Holdings and its subsidiaries concerning an unvalidated loan agreement. As they continue to report negatively to the credit reporting agencies after multiple Cease and Desist attempts that I have sent, including the last on XXXX I have simply asked for a complete audit trail so that I may inspect the account details for myself. An audit trail consists of, but is not limited to, all ledgers, transactions, contracts and details concerning this account number, as provided by the assigned XXXX of my account with some sort of proof of accountability such as a notarized copy. They continue to ignore my requests, demands and refuse to validate the account details despite defaming my character.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my acct. This acct is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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, and I seek appropriate redress for this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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 XX/XX/2022 XXXX  XX/XX/2022
Product: Money transfer, virtual currency, or money service

This is in relation to claim XXXX against XXXX XXXX XXXX 

They have claimed that the " FiServ '' network has blocked my access to XXXX despite them removing the block on my account. They refuse to do anything to reach out to see why this has been blocked. FiServe has not reached out to me to do any sort of investigation. XXXX had not clarified what their relationship is with FiServe or XXXX. 

My belief is that someone falsely reported a mistaken transaction sending me money as fraud. I have clear documentation from all parties saying there was no fraud but have no way to reach anyone. 

Their blocking XXXX is putting me at risk for lawsuit as I have no safe way to return the money to the sender as I have been told by XXXX XXXX  that if I were to return other than send back the money they same was it was sent so there is a paper trail there is a risk the transaction could be reversed after I already returned the money. 

My number registered is XXXX and under the email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent accounts listed. Please remove these accounts as they are negatively impacting my ability to obtain credit.
Product: Credit card

I originally took out a 0 % balance transfer on my Discover card. I have the promotion until XX/XX/year> inadvertently I used the card to purchase a few things I forgot and I wanted to pay it off right away but I forgot I called Discover a month ago because I saw interest on my account. They said its from the purchases that if I just pay off the purchases, then the interest will go away and Ill be back to just the balance transfer. I took another balance transfer from a new card just to pay that off and I called discover today to make sure that my payment of XXXX goes to my purchases and they said they cant do that. Its all just XXXX payment for purchases and 0 %. Ive been charged interest and will continue to be This is a deceptive practice
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I hired a dog trainer, XXXX XXXX of XXXX XXXX XXXX, and paid {$5000.00} through Affirm for a training program. Due to scheduling conflicts, I requested a partial refund of {$4100.00} in XX/XX/year> from XXXX XXXX XXXX. The trainer acknowledged the refund request, and a refund notification was sent to Affirm on XX/XX/year>, with a specified refund amount of {$4100.00}. 

Despite this, the refund has not been completed, and I have received no further updates from Affirm. I have submitted disputes directly with Affirm as well as the credit bureau, but my disputes have been denied, and the unresolved charge is negatively impacting my credit score. Affirm 's website states that refunds take 3-45 days to process, a timeline that has long since passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Charge-Off Account Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Dear Trans Union Consumer Solutions Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX I am formally disputing the charge-off account appearing on my credit report under account number [ Account Number ]. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, I am demanding an immediate investigation into the validity of this account and its reporting. 

Grounds for Dispute : 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. If this charge-off is inaccurate, unverifiable, or outdated, it must be corrected or removed.

2. Violation of 15 U.S.C. 1681i Right to Dispute and Reinvestigation : I am exercising my right to dispute this item. The credit bureau must conduct a reasonable reinvestigation within 30 days and provide me with the results in writing.

3. Violation of 15 U.S.C. 1692e False or Misleading Representation : If this charge-off account was transferred, sold, or assigned to another entity, the original creditor no longer has the legal right to report it as a charge-off. Reporting an account inaccurately or misleadingly is a direct violation of the FDCPA. 
4. Verification Request per 15 U.S.C. 1681s-2 : The creditor must provide proper documentation proving that this charge-off is valid and reported correctly. If the credit bureau can not obtain documented verification from the original creditor, the account must be removed immediately.

Requested Action : Conduct an independent investigation into this account. 
Provide written verification, including an original contract with my signature, proving that this charge-off is valid. 
If verification can not be obtained, delete the account from my credit report immediately. 

As per federal law, I expect a written response within 30 days. If this matter is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

Please confirm receipt of this dispute and keep me updated on the status. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXXXXXX XXXX  customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  is reporting on my credit report still after me calling about this issue. My student loans have transferred to another company, but XXXX  is still reporting on my credit report to all 3 bureaus.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications company name is spring oak llc account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the customer service to talk to them as I have disputed the bankruptcy on my account and they claimed to have verified the item but after speaking to the court house where they said that they had verified it with I was told that they had not verified it and do not release any information to anyone. I called and was transferred quickly to someone else and clearly they did not want to fix this problem. I would like this item removed off my report as I have told them it is not correct.
Product: Checking or savings account

The following pertains to my relationship with U.S Bank. and this is an emergency. 

On or about XX/XX/XXXX, I opened up a client trust account with U.S. Bank. I already had an IOLTA and operating account open and those accounts had been opened with Union Bank in approximately XXXX of XXXX  ( prior to U.S. Bank 's acquisition of UB ). 

My client wrote a check for the purposes of opening the above described client trust account, but wrote the check for too large a sum. Apparently U.S. Bank did not verify whether the check was good. I did reasonably verify with my client that the check would fund to the best of my ability, but unfortunately my client was mistaken. It was certainly not an intentional act on his part. 

Understandably, my client 's check was returned. However, U.S. Bank then proceeded to close both my general IOLTA and operating accounts. 

I spoke with an individual -- a U.S. bank representative named " XXXX '' on XX/XX/XXXX. I was informed that the bank would not release any money until XX/XX/XXXX, and that it would take an additional 5-7 business days for me to receive that check in the mail. 

Until I receive that money, I can not take on any new business and all business expenses including court filings, legal services e.g. XXXX  must come from personal money and/or credit cards. It's going to take about 30 days to establish a new bank account due to the processes involved. 

U.S. Bank has destroyed my ability to do business for at least a month over a mistake I didn't make and seemingly through its own negligence by failing to verify a check for a large amount ( again, not a check I wrote ). I have never had a negative balance with either Union or U.S. Bank. There has never been an incidence of fraud or any other negative event involved in my dealings with any business at any time. 

Yet, without any warning -- not a single phone call or email, U.S. cut me off from being able to do business. The professional consequences to me could be extensive for myriad reasons, not to mention it is outright embarrassing ( which could have professional consequences as well ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting

The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with Experian XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's trade line has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with total disrespect and very harsh, without even giving me a chance to explain. TERRIBLE ATTITUDES! 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE! 

Thank youXXXX XXXX
Product: Vehicle loan or lease

Regional Acceptance Corporation is charging me an extra 3 months on my car loan which totals to {$930.00}, they have claimed I have missed 3 payment which I contacted them about that and told them that I have made every single payment on time and I have the proof of every payment I have made and they asked me to email them copies of my proof of payments for every single month and I did and I havent heard back from them no more and they have not helped in resolving the issue. This has been affecting me and my credit immensely. I need help desperately to resolve this issue.
Product: Checking or savings account

My name is XXXX XXXX and I am writing on behalf of XXXX 's XXXX XXXX. 

Synovus Bank 's staff have made a serious of errors costing us {$670.00}. 

Two months ago we filed a dispute with Synovus for inventory not received from XXXX for {$670.00}. We updated our number with Synovus last month from XXXX to XXXX, but today their dispute department 's manager claims they did not update it as we had asked! Their dispute staff closed this case against us claiming they could not reach us on the number we had changed! 

On the phone their staff claims there was a letter sent to us as well, but again we did not receive any letter asking for more information on the case even though I confirmed our mailing address with them! 

They are now refusing to reopen the case or recredit us because of their staff 's mistake hurting us greatly and leaving our account at negative {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX 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 : It 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

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, Tran Union and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint is over 30 days, XXXX still has unrecognized inquiries on my report. the credit report has no names to say its a fact
Product: Checking or savings account

Charles Schwab bank refuses to let me open a checking/savings account with them.
Product: Debt collection

On two separate and recent occasions, a XXXX XXXX contacted other employees of the company for which I work. He told them that he was attempting to contact me for a debt I owed and called them because I would not respond to his calls. He then provided his companys name and phone number to the employee. In both cases, these employees then sent me an instant message with what was shared. 

This violates my rights as a consumer for this person ( XXXX ) to disclose this information to people I work with. I dont even know what this is regarding. I get a lot of calls from timeshare or retirement scams and fraud all the time. I do not answer calls from numbers I am not familiar.
Product: Credit card or prepaid card

The Capital One Vista Card has been block for fraud and someone make a payment and reversed it my accounts been blocked 8 months
Product: Mortgage

To whom it may concern I just recently purchased a new house this XXXX 2015 and shortly after moving in we began receiving letters regarding a mortgage accelerator program. I called them and I decided that it made sense and paid upfront a sum of one mortgage payment which was XXXX. Now they are sending me emails indicating that they have been shut down. I am upset not to mention out a lot money. Do I have any legal recourse about getting money back thx XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX  Account # XXXX 60 days XX/XX/2018, and 90 days in XX/XX/2018.