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

In mid XX/XX/2020 my wife and I contacted US Bank representative XXXX XXXX at XXXX XXXX to inquire about applying for a home equity line of credit. 

I was a mortgage broker in the past and familiar with underwriting requirements credit inquiries and scores, specifically asking XXXX if the proceeds could be used for a down payment on another home, otherwise we would not apply and damage our perfect credit rating. 

Being suspicious, to make absolutely certain I asked again and again because no other lender allows proceeds to be used for this purpose. 

Well we do! was the response from XXXX. Over and over. Again and again. 

He assured us it was an allowable use many many times in multiple subsequent phone conversations and emails. 

In addition, I spoke with XXXX in detail numerous times about every other aspect and requirement to make sure we complied with everything otherwise again we wouldnt waste time applying knowing wed be declined. Who would? 

Well we applied based on XXXX statements, assurances and declarations. 

And of course we were declined. 

Reason given : proceeds could not be used for a down payment on another property. 

Huh? What? 

I contacted XXXX XXXX at XXXX several weeks ago who represented herself as XXXX XXXX XXXX for that area. 

Upon hearing the situation she immediately graciously apologized and assured me that this was indeed a banker error in her words and that she would reverse the credit inquiry ASAP and we should expect a letter of confirmation to that effect within a few weeks. 

We just received a letter from the US Bank Credit Report Dispute Dept saying that they would NOT in fact be removing or reversing the inquiry on the credit report. 

We feel misled and abused. We need help. We are good solid senior citizens with no criminal records and perfect credit scores and consider this elder abuse. I am XXXX and a XXXX patient. My wife was a nurse for over 50 years. Were good people who have been taken advantage of. 

Please contact us ASAP @ XXXX or XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX  account XXXX does not belong to me.
Product: Credit card or prepaid card

I am complaining because my current credit company is holding my received payment for 7 business days claiming that they need this time to validate that my payments will not be rejected by my bank eventhough the money has already been withdrawn from bank the next day. I never had a situation like that before and put me at a disadvantage. I was never late and I been a member for more than 5 years. 


Here is the explanation that I have received from the customer sevices. 

Thank you for contacting us about your XXXXX Airlines XXXX XXXX Mastercard. 

Wed like to inform you that an available credit hold is placed on an account as an authorization for the payment amount. The available credit may not be released immediately since the delay allows us to confirm the payment funds have cleared. Please know that we may delay increasing the available credit due to the fact that payments are not guaranteed, as they can be recalled by your bank. 

When this occurs, the available credit is held for 7 business days and released as of XXXX XXXX  ET on the next business day, as long as the next business day is not a holiday. Our records indicate the payment information is as follows : Payment Amount : $ XXXXX Payment Received : XX/XX/2020 Release Date : XX/XX/2020 Funds Available : XX/XX/2020 We apologize for any inconvenience this may cause ; however, were unable to release the available credit hold at this time. Since payments can be returned or recalled by your bank for up to 7 days, we generally place this type of hold until the payment is completely processed and the funds are guaranteed. Please know that your credit will be made available to you, after the hold has been removed. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care
Product: Credit card or prepaid card

This is supporting information and also a follow up, so after previously contact CFPB XXXX/tD finally replied to me and they sent me some proof of signature and I have proof on legal documentation that, the signature does not belong to me, thats not the way I signed, they stated that my drivers license was swiped but as I told them my drivers license was stolen and I reported it to the law enforcement ... they mentioned a account that was used to make payments on the account that I never had ... that was a account that appeared on my consumer report that I disputed as well XXXX unauthorized account opened.. 

Documentation Im enclosing shows the signature XXXX/TD sent me and said I signed .... 

And I enclosed my signature on official documents Also a copy of the police report on my lost drivers license the report is blurry but I still included it And a copy of the letter they sent me ( XXXX/ TD )
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.
Product: Mortgage

On XX/XX/XXXX, we made a servicing request, however XXXX XXXX company completely ignored. Mr Cooper is not above the law and must comply with all servicing inquiry upon a written request. We are asking Mr. Cooper to provide an account ledger starting from XX/XX/XXXX thru present. The ledger must reflect all account history and accounting.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX  - XXXX - Opened XX/XX/XXXX- Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. Experian and XXXX report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. XXXX reports the worst payment date as XXXX days when XXXX shows Current. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.
Product: Prepaid card

Upon receiving my CashApp card, I had to resubmit my order several times due to theft. CashApp sends the cards in a bright yellow envelope that has " CashApp '' on the front and " # CashCard '' on the back in bold yellow. This is a huge liability and an attraction for thieves. Upon speaking with a customer service representative, he refused to transfer me to a manager to formally report this issue. I called back and they refused to submit my complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

In accordance with the fair credit report act this creditor has violated my rights. Under 15 US c 1681 section 602 states I have the right to privacy. 15 US c 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 US c 1666B a creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX  XXXX Original balance- {$720.00} account NAME- XXXX XXXX Account number-XXXX  Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updatedXXXX XXXX Past due amount -- Original balance- XXXX XXXX Monthly payment- {$0.00} Contact info Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting

My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance
Product: Credit reporting or other personal consumer reports

My request to validate an account that is not mine was sent to experian XXXX, i have not heard anything from this company at all, and the law states if they do NOT respond in 30 days this account should be removed from my credit file. I sent a letter to the company on XXXX. This company has not responded. If i send a letter in mail i should get a response in the mail. So if this account is not removed i have no choice but to file a lawsuit. 

Attached is the initial letter that was sent, this company has not responded within the 30 days. 

Also attached is documents to show proof of identity I DO NOT CONSENT TO XXXX or any means of automated verification They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Social Security XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I attended XXXX XXXX XXXX XXXX XXXX Upon finding out that they are not XXXX certified, I decided to leave the school. Without this accreditation, my education here would be honestly pointless. I had heard from a classmate that she would be unable to complete any internships in the state she was living because of the school not having this accreditation. Therefore, I left and enrolled in a school that is accredited. Before realizing this, I had been mislead by the school entirely. I had utilized FASFA to cover the cost of my courses. I am confused as to why I would owe anything to a debt collector.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights of the fair credit reporting act this account XXXX account number XXXX don't belong to me this account was open on XX/XX/year> without my knowledge i have disputed this account with XXXX and have not should me anything from the creditor that this account belongs to me
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXXXXXX XXXX  XXXX Account Number XXXXXXXX XXXX  XXXX Account Number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached my updated report and IDTheftReportXXXX for verification. 

XXXX Account # : XXXX Date Opened : XX/XX//2020 Balance : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by XXXX XXXX. The link on the Transunion website is not working to submit an online claim.
Product: Credit card or prepaid card

I'm writing to you according to my The Home Depot CBNA card that was opened on XXXX XXXX, XX/XX/XXXX I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXXI could not contact cfpb because I did not know about its existence and that they can help me here.
Product: Credit card

XXXX  XXXX violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this. XXXX  XXXX violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. Experian violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : XXXX. XXXX  XXXX XXXX XXXX that appears on my XXXX Credit report XXXX XXXX. TD Auto Finance inquiries XXXX The below listed company did XXXX inquiries on my credit report which is excessive. XXXX XXXX  XXXX, and XXXX. XXXX inquiry for an approval should be suffice, not XXXX.