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

Good morning, I've having an extremely difficult time with XXXX XXXX bank still reporting late payments on my credit profile well over XXXX XXXX XXXX. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alert from Experian that my credit score dropped tremendously I then logged in my account to see why and there was no changes on my account i have made all my open accounts payments on time and there was no collection added on on my credit report so there has been a credit score reporting error to my account i also contacted XXXX XXXX and the informed me that they do monthly report my on time paymants to Experian credit bureau.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RE : ACCOUNT ENDING XXXX FCRA/FDCPA VIOLATIONS To Whom It May Concern, I am a consumer as defined under 15 USC 1602 ( i ) recently obtained a copy of my consumer credit report and noticed the account in reference was shown to be closed. In accordance with the FDCPA, your company can not continue to collect on a alleged debt that you no longer have, the tax write off received when your company has closed an account. In addition, as I looked further into this account, I noticed quite a few errors, that the CRAs stated American Express furnished them with this information, which would go against your terms and conditions, most specifically the section where your company refers to disclosing my personal financial information to a third party. The CRAs are non affiliated third parties. Before I pursue my legal options as a consumer under 15 USC 1602 ( i ), for the violations your company has committed against me, I am requesting ALL of the following information : - A complete accounting ledger and history of all transactions from onset of this account, the documentary evidence, as it relates to IRS publications 583. 
- The first date of delinquency - The disclosures you were supposed to give me upon commencement of this contract, the Gramm Leach Bliley Act, a requirement of TILA - All of the consumer reporting agencies you unlawfully disclosed this account to. 

Please note this complaint shall serve as notice of pre arbitration, should this information not be received by me in the allotted time frame. 

In Good Faith Regards, Without Prejudice By : 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 these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries XXXX 



To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 



Best regards, XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

My home was damaged by a hail loss on XX/XX/2018. XXXX insurance promptly handled damage appraisal and issued a check for the amount of {$19000.00}. The check was endorsed by my wife and I, and The Money Source ( TMS - the Mortgage Company involved ) co-endorsed and released the check to XXXX XXXX XXXX XXXX ( the contractor installing the new roof and guttering, and completing the other repairs required ). There were additional repairs and costs that required a supplemental claim settlement and on XX/XX/18 XXXX issued the final check in the amount of {$2300.00}. My wife and I endorsed the check and forwarded it to TMS as we had before. 

It was at this point I started receiving notices form a company calling themselves " XXXX '' requesting additional documentation. I tried to log into their website on several computers utilizing both XXXX  XXXX and XXXX  XXXX utilizing XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Both operating systems and all browsers returned the same message - " Hmmm, we are having trouble finding that site '' or " Server not found ''. When I called TMS Insurance department - on several occasions - they requested one document after another, saying that XXXX was handling the check but their records showed that ( and each time it was a separate document ) was incomplete, signed in the wrong place, or some other excuse. 

I can't just pay XXXX, I wouldn't be reimbursed because the XXXX issued check was made out to me, the wife, TMS, and XXXX XXXX. The contractor wants their money, and this will end up in collections soon. if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX  # XXXX {$1300.00}XXXX XXXX XXXX # XXXX {$600.00}, XXXX XXXX # XXXX {$180.00}, XXXX XXXX  XXXX # XXXX {$780.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX  # XXXX {$63.00}, XXXX XXXX XXXX  # XXXX {$540.00}, XXXX XXXX # XXXX {$4000.00}, XXXX # XXXX {$720.00}
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXXXXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXX at XXXX XXXX, IA XXXX DOB : XX/XX/XXXX last 4 BBN : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote XXXX, Equifax, XXXX and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609. 
I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi card for amount of {$13000.00} is not mine and was put on my credit report and company can not give me no information because Im not on the account.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.
Product: Vehicle loan or lease

My installment loan transferred from XXXX XXXX to Yamaha Finance XX/XX/XXXX. During that time my payment was due. I tried several times to call Yamaha Finance to let time no that I was not able to make my payment ( due to an error on their end. ) I was unsuccessful getting someone on the phone, so I emailed them. I received a letter from them ( XX/XX/XXXX ) stating that the original letter they sent me had the wrong account number on it. I made a payment the following week, but they still reported me late to the credit bureaus. XXXX was also supposed to be my last payment however they are stating that I have a balance of XXXX give or take a few dollars. I have requested in writing and via phone a payment history of my account detailing how each payment was applied. 
1st request XX/XX/XXXX XXXX XXXX ( requested payment history and 3rd request to have any extra monies applied to principal. 
2nd request XX/XX/XXXX Yamaha Finance that I was not able to make a payment after several attempt to reach them via phone.

3rd XX/XX/XXXX Requested payment history 4th XX/XX/XXXX Requested payment history and to speak with management was promised a follow up call which I never received. 
5th XXXX XXXX Requested payment history was advised by floor supervisor that I was requesting the wrong document. I was advised by XXXX Operator XXXX that I should have been requesting a amortization schedule. I replied Why would I request a amortization schedule if I am trying to see how my payments have been applied not a schedule of how they would have been applied based on a certain date and amount. I requested to speak with management XXXX advised me that it take Business days for someone to call me back as of XX/XX/XXXX I have not received a call back. 

I have also emailed customer service regarding this issue. 

I have only received a document showing my payments but now how the payments was applied. 

Please see documents which shows
Product: Money transfer, virtual currency, or money service

The last week of XXXX when I was getting ready to move to a new residence, I attempted to cancel the {$290.00} unlimited monthly membership with Coinbase, since I was not going to be trading much past XXXX. The membership should have only been {$29.00} that would be automatically debited from my XXXX XXXX account ending in XXXX. The app kept giving me an error, so I had Coinbase call me and I stayed on the phone for almost an hour. The rep told me they can not alter my membership, that I have to do it on the app. I insisted that someone help me since the app was giving me an error. So, I was under the impression that after my phone call my membership was adjusted. The bank account I use for this trading account is only for this Coinbase usage, so I was not paying attention to any charges, since there shouldn't have been any other than the XXXX trading transactions and the $ XXXX. Today, when I checked my account and emails, I noticed I had been charged {$290.00} per month for the past 3 months, and that the phone agent back in XXXX didn't complete the plan change. So, I went on the Coinbase app, which I hadn't been on in months, and noticed I still had the unlimited plan. I then canceled it myself and called Coinbase. I stayed almost another hour on the phone, and the rep told me that they couldn't give me a " courtesy refund ''. I told her there's nothing " courtesy '' about it, and that it should have been canceled 3 months ago. She continued to say that there's nothing they can do to give me back the {$890.00} that was debited, but that she could cancel future charges. I told her that I already did that on the app and she said she didn't see that, so she put me on hold to check. Here we go again, I canceled and she wasn't even aware. This is an issue. So, she confirmed that I had lowered the plan and I told her that XXXX XXXX XXXX they won't do anything about the past month 's charges, and I disconnected the phone. Now, I'm filing a complaint through you, so that this can get resolved and refund given.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Product: Credit reporting or other personal consumer reports

I have been dealing with this fraudulent information that is damaging my report and stressing me out. I am very upset as I have asked Experian and provided them with the FTC identity theft report that is notarized documenting this fraudulent information.
Product: Vehicle loan or lease

This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation request to collection agencies for an account on my credit report. I never received anything back in regards to the accounts within the 45 days allowed per FCRA rules. I then set a letter to TRANSUNION with the original letters to the collection agency advised to remove these accounts from my credit report as it has not been validated per request. TRANSUNION was the only company that didn't remove accounts, nor investigate, nor send a response back in regards to my request, and it has now been over 45 days for them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is for bank of america and XXXX XXXX XXXX XXXX  sold my information 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

as a survivor of XXXX XXXX i was forced to open and use lines of credit from XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I am requesting that you quickly remove the fraudulent inquiries from my credit report because I did not authorize them, and they are causing me great distress.