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

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
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 practice, which violate the Consumer Fraud 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 and Regulation XXXX These actions have caused significant inconvenience and financial loss. I seek appropriate redress.
Product: Credit card

CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for the hard inquiries listed below, to be deleted from my credit report. Both accounts listed below was deleted from my credit report by XXXX, but the hard inquiries associated with these two accounts are still actively viewing on my credit file. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). I also want to advise XXXX, that I am a very pleased consumer and this is by far the best credit bureau. That assist customers needs promptly and fairly. XXXX and Experian does not address needs and have the customer going through circles with disputed and fraudulent items. Thank you XXXX   for your dedication to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XXXX  or by calling XXXX XXXX XXXX XXXX.
Product: Mortgage

I have made several calls during XX/XX/2020, asking for help. I learned about forbearance option, 3 months, then I " would have to pay a balloon pymt at the end of the 3 months timeline! '' Through XXXX, I called numerous times wanting to talk to someone and was put on hold for ever and ever or was disconnected while being transferred to loan mod dept, and some of the CSR 's were horrible, totally not interested in helping, bored negative attitude, not into their jobs obviously. I told the 3 or 4 diff CSR 's " you can't do that and who will have that large amount of money to be able to pay a balloon after forbearance timeline? '' I also asked a few times to speak to someone re : loan modification ; and was told every time to go their web and fill out a form and was also told I " must go through forbearance plan first before a loan mod can be considered. '' What Freedom Mtg does  not tell you is that both forbearance or doing a mtg loan mod would blemish/damage your credit and that doing a forbearance would then force you to having to stay with them for another 12 months. Also I am upset because their web specifically asks for your complete SS # in order to setup your on line mtg. account ; they should already have my complete SS # plus I refuse to provide my entire SS # and address, etc, on their web, which is a great start opening the door up for identity theft to occur because they would see my entire SS #, my address, etc. NOT!! I hate Freedom Mtg : have read a lot about them since virus stayinplace lock-down and everything I've read is not good, very negative stories re terrible mtg service ( even before the virus ) with Freedom Mtg. Also had a ph appt scheduled today ( 3 days advanced scheduled ) XX/XX/XXXX at XXXX EST, was told either of two ( 2 )  refi experts would call me, waited all day, no one ever called me nor did the mtg scheduler, return my call when I called her at approx XXXX ; XXXX EST. ( I will provide a copy of our email dialog re my appt scheduled. TY
Product: Debt collection

First they called me saying they were collecting a debt I told them I don't owe them anything if so mail me the information and something with my signature like a contract they sent something trying to work out a deal and then they emailed me along with phone calls
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Ohio, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] XXXX, Equifax, XXXX [ REPORTING DISPUTES XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] Subject : Request for Correction and Deletion of Inaccurate Information Dear CFPB, I am writing to formally dispute an inaccuracy that appears on my credit report regarding my car loan. After reviewing my credit reports from all three bureaus, I have found discrepancies that I would like to bring to your attention for immediate correction. 
XXXX. XXXX reports that the information regarding my car loan is close, but this is still inaccurate and requires further clarification. 
XXXX XXXX report that my car loan balance is {$26000.00}, while Equifax and XXXX lists the balance as {$0.00}. This inconsistency between the bureaus is concerning, and I believe it to be an error that needs to be rectified. 

I have also heard that there has been an ongoing issue with the accuracy of car loan data across credit reporting agencies, which I believe may have affected my credit file. 

I respectfully request that you investigate and correct this information. Specifically, I would like the inaccurate balance information to be updated and for any outdated or incorrect data related to this account to be deleted from my credit report. 

Please provide confirmation of the corrections made to my credit report once the review process is complete. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you need further information. 

Sincerely, [ XXXX XXXX ] You can send this letter to each of the credit bureaus individually ( XXXX, Equifax, and XXXX ) or via their respective online dispute resolution systems.
Product: Mortgage

I was requesting a home loan in the amount of {$100000.00} from loan officer XXXX XXXX, who filed an application with Arcstone Financial. 
I was told the minimum loan amount would have to be {$170000.00}. I declined, but despite canceling this initial application, an appraiser was sent to the property and did an appraisal. I received an invoice for {$630.00}. Loan officer XXXX XXXX told me not to pay it and was looking for another loan option. Not succeeding in finding another loan option, he went back to Arcstone Financial and filed another application. To save time, I was told to pay the initial appraisal, and that he would have it transferred, as it was for the same property. 
Arcstone Financial refused a transfer and made me pay for a new appraisal, which was an additional {$450.00} to start the entire application process anew. 
Loan officer XXXX XXXX said in XX/XX/2023 that he will take care of the additional {$450.00} and reimburse me. This has not happened thus far. 
This delay of " non-transfer '' caused the 30 day-Escrow window not to be met. 
Due to this delay, I was charged {$1000.00} by the seller for a one week extension. 
Not accepting an appraisal that was already done for the property, and was already paid, is rather absurd. I am not willing to pay the penalty either, as it was not me causing this delay. My request for a {$100000.00} loan amount was also not met, and the second application was once again only granted for {$170000.00}. 
I am hereby requesting a refund in the amount of {$1400.00} from Arcstone Financial.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX, 2024 {$8500.00} was withdrawn from my savings account without my authorization along with multiple other unauthorized withdrawals. The bank that has my savings account was able to recover the majority of the funds taken except for this amount stated. An investigation was done and the result was that the documentation provided by the " merchant '' claims that the transaction was valid. I did not authorize this " merchant '' to take funds from my savings account. I have since asked for a review and I am still waiting for the result. 

I feel that I am made to prove that I did not authorize this transaction rather than the " Merchant '' prove that I did. This bank has left me hanging and has failed to protect the money that I entrusted to them. I have been a loyal customer for over XXXX  years.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX XXXX and XXXX XXXX fraudulently opened a student loan with XXXX XXXX for {$25000.00} using my Social Security number without my consent. XXXX XXXX passed away in XXXX due to XXXX, and XXXX XXXX XXXX now an XXXX. I was made a co-signer for this loan and only became aware of it in XXXX when XXXX began missing payments. Despite XXXX only paying interest and not the principal, XXXX XXXX refinanced his debt. I have attempted to contact XXXX for repayment, but he has blocked all communication and is currently residing in XXXX XXXX, where XXXX laws do not apply. I contacted XXXX XXXX, who advised me to file a police report, which I did. I was a victim of fraud perpetrated by XXXX XXXX, and the police have documented this case as fraudulent. Despite this, I recently received a letter from XXXX XXXX stating that I am responsible for over {$37000.00}, even though I have provided documentation of the police report. I have pressed charges against XXXX XXXX, and I firmly refuse to pay this amount as I am a victim of fraud. I have provided XXXX XXXX with XXXX XXXX 's contact information, and it is their responsibility to pursue action against him. They have his Social Security number. 

XXXX XXXXXXXX XXXX  contact information : Phone : XXXX Email : XXXX The police officer handling the case : Detective XXXX Case # XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I received your letter, which was generated by a computer, informing me that you had stopped looking into my credit reports because you think I may have used a third-party credit repair firm. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request. 

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XXXX. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness. 

My credit file has been receiving erroneous and incomplete account information from your credit reporting organization. I'm upset.
Product: Credit card

XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. 
Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. 
I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a certified letter asking the credit bureaus to remove these inaccurate accounts from my credit report that are hurting my ability to acquire credit. Now it's been over two months later and I still havent seen any results nor any response. By now, I'm just demanding that these accounts be removed from my credit report. I tried being patient and I'm upset that it would even come to this
Product: Vehicle loan or lease

I called TOTAL AUTO FINANCE and they stated to me to not send no payments to XXXX XXXX SERVICES. I called XXXX and they told me that I need my next payment was due to them in XXXX. I told them that as long as XXXX XXXX or Total Auto Finance didnt send me a letter or call me I would not send payments to them.
Product: Credit card

Paid balance in full before due date.I was charged interest the following month on a XXXX balance for {$100.00} dollars. I called Capital One they said they can charge interest for up to 2-3 months even if balance is paid in full before due date. Sounds wrong is wrong this is robbery!
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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/XXXX
Product: Credit card

I was told my XX/XX/2024 promotional purchase expired and this subject to interest. I paid the amount of the remaining XX/XX/2024 promotional balance owed according to my app BEFORE the expiration date. I am still being charged interest on this. The charge is not showing up on the app as outstanding and owed. I do not owe this outstanding balance and I do not owe the interest associated therewith.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft protection lock on my account, due to finding my SSN on the dark web. Please remove said inquiries that do not belong to me. 

XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XX/XX/XXXX