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

Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliantXXXX
Product: Credit card

I made a purchase on my XXXX XXXX credit card on XX/XX/scrub>XXXX XXXX XXXX. While not at home I received a text my item was delivered. When I returned home on XXXX XXXX XXXX I went to look for the package and couldn't find it. There are notes in my XXXX account that my apartment is on the side of the building where I have a ring camera. 

I reached out to XXXX to dispute and they said I will hear back from someone regarding a refund within XXXX hr. In XXXX I didn't hear from anyone so I reached out again to XXXX and was told there was nothing they can do, dispute with credit card company. I called capital one and was told they will put in a dispute. 

I just happen to wonder if the transaction dispute have been taken care of and they told me, they heard back from XXXX and closed the dispute and sent me a letter. I never received a letter. Now they are telling me It is too late to dispute again and they will resend me the original letter they sent out.
Product: Money transfer, virtual currency, or money service

I received a text message from number claiming to be Wellsfargo that someone was trying to make a payment. It said reply yes or no. I replied No. I then received a call from a Wellsfargo number. He said that he would put a stop to it immediately and that they were trying to zelle money to the reserves from my account but he put a pause on it. He sounded very professional and said I would need to sign in and transfer the money back to myself since it was on pause. I put in my phone number and name. He wanted me to do it XXXX times. I started to fill uneasy but I was getting texts and he assured me it was wellsfsrgo and the number did match. As I seen my bank account go low he Said that after the process he will clear it and it will go in my bank account. He said he had zelle on the line trying to get back my funds. He said if we don't complete I'll be on out XXXX. I hung up because I did not feel right. I called my bank and they informed it was not them. I filed a claim. I read that with banks should fix it with title E protection? I have not much money and this scam really ruined me and put me in a financial burden. I am devastated that I actually got skammed and violated that the could so easily hack my account.
Product: Credit card

XXXX Dear Representative, American Express continues to engage in intentional, deceptive, and abusive billing practices that violate my consumer rights as evidenced by the following : Exhibit 1 is the written policy from American Express stating that I do not have to pay on the account while my account is in dispute. 
Exhibit 2 is the letter from American Express dated XX/XX/2024 which provides 30 days for me to provide additional information to support my dispute. 
Exhibit 3 is the XX/XX/2024 billing payment from American Express which is in direct contradiction of their written policy. 
Exhibit 4 is the screen shot of the additional dispute information that I attempted to uploaded to American Express on XX/XX/2024 at XXXXXXXX XXXX. 
This screen shot clearly shows that the dispute was processed and closed simultaneously without review. 
Exhibit 5 shows where my account was blocked from additional dispute submissions on XX/XX/2024 while my account was in the written dispute timeline.

Exhibit 6 shows where American Express has a pattern of blocking consumer disputes. 
This has been a recurring act by American Express. This is a blatant violation of my consumer rights As a small business owner, strong business credit is our life-line. It is essential to my financial stability and operations. Therefore, in spite of these deceptive practices, I have continued to pay the account in order to protect my business credit. 
The actions of American Express have caused significant stress and financial harm, jeopardizing my ability to sustain my business. 
American Express failure to adhere to its own dispute resolution policies is not only harmful to small businesses but also represents a breach of trust in its relationship with consumers. I urgently request consumer protection intervention to address these systemic issues and prevent further harm to myself and others. 
I also request a full reversal of the entire balance of my account due to the mishandling of my dispute and the associated violations of my consumer rights. 
Thank you for your consumer protection. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} 08 XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} 06 XXXX XXXX XXXX {$210.00} 09 XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} 01 XXXX XXXX XXXX XXXX   XXXX {$970.00} XXXX XXXX XXXX {$210.00} 09 XXXX XXXX XXXX {$450.00} 09 XXXX XXXX XXXX XXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

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 proce 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 50 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020 at flagstar bank in XXXX mi try to open account for XXXX $ they say we can not open account no reason my score is good no problem at all i want to open my account for normal pay online so why im usa citizen i have right to open account discrimantions againsit me based on gender and color
Product: Mortgage

I had lost my job and fell behind on my payments. I asked the company for help during that time. They said I did not qualify for assistance, but instead, I had to pay a lump sum by XX/XX/XXXX. When I calculated the amount they said I had to pay by XX/XX/XXXX, it didn't add up to my current mortgage payments. I asked for a breakdown and they could not provide me with me. After the XXXX email from them, they said I was short on my escrow and now I have to pay more, which still does not equate to the amount they were claiming I would owe. Within this back and forth with the mortgage company, I was able to catch up on missed payments, but they are still increasing my mortgage payments and the amounts do not match based on escrow analysis from XX/XX/XXXX and the one they quickly processed recently.I just want the correct information because I now do not trust that they are accurately calculating the amounts on my account.
Product: Mortgage

Please see the below email confirming that my mortgage loan of 30 years was to be corrected to 15 years at no cost to me.

Consumer Information Date Filed : XX/XX/XXXX Sal : Ms .

First Name : XXXX Middle Name : XXXX Last Name : XXXX Suffix : Address : XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX UNITED STATES Daytime Phone : XXXX Evening Phone : XXXX  Fax : Email : XXXX ( email ) Business Information Name : XXXX XXXX XXXX XXXX   Address : XXXX XXXX XXXX XXXX City : XXXX State/County : KS Zip/Postal Code : XXXX  Business Phone Number : ( XXXX  ) XXXX URL : XXXX Complaint placed by an XXXX XXXX US service member, a US civilian employee of the Department of Defense, a US military dependent or retired from XXXX US duty.

Complaint Detail / Problem Complaint Type : Customer Service Issues Problem : On XX/XX/XXXX I obtained a mortgage from XXXX, FNA Mortgage lenders of America. I always requested a 15 year term, and the mortgage was written as a 30 year mortgage. I was advised to proceed, that the term would later be corrected at no cost to me. I received the loan disclosure for the correction refinance, and it was written at no cost to me. The actual loan documents in XX/XX/XXXX, however, included XXXX in additional charges. I have the agreement in writing, that my loan term would be corrected at no cost to me. I seek the fulfillment of the original promise that I will receive what I originally requested and was promised by my loan officer, XXXX XXXX, a fifteen year mortgage at no additional cost to me.

Desired Resolution / Outcome Desired Resolution : Replacement Desired Outcome : A fifteen year mortgage at no additional cost.

From : XXXX XXXX <XXXX> Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ Non-DoD Source ] RE : Plan of Action Hi XXXX, Yes just to confirm there will be no out of pocket expenses when we complete the rate refinance. However, you will have to pay for the appraisal upfront and then we will credit it back to you at closing. That is just our company policy because too many customers would get the appraisal and then not follow through, so we were left holding the bag so to speak. So now we credit the appraisal at the closing. Please let me know if you have any other questions or need anything additional.

Thank you, XXXX XXXX XXXX   NMLS ID # XXXX Mortgage Loan Officer Mortgage Lenders of America direct ( XXXX ) XXXX toll-free ( XXXX ) XXXX, ext. XXXX  fax ( XXXX  ) XXXX XXXX - 96 % overall customer service rating based on funded loan survey data in XX/XX/XXXX - A+ Rating with the XXXX XXXX XXXX - See more accolades here Mortgage Lenders of America , L.L.C. , NMLS ID # XXXX  I XXXX XXXX XXXX XXXX , XXXX XXXX, KS XXXX I Privacy Statement From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX   <XXXX> ; XXXX XXXX <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : Plan of Action Hi XXXX, Just to confirm our conversation, the refinance to the 15 year term at a lower rate in 6 months will be at no additional cost to me.

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

Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..
Product: Checking or savings account

Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. They also promised to sent me a physical Affidavit of Identity which could be used to prove my identity, but that never arrived despite many days of waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have made multiple attempts obtaining my Equifax consumer report online, only to be blocked from receiving it. When I advise company of issue they seem to place blame on website issue. I have not seen my equifax report since in last 2 years due to this issue.
Product: Credit card or prepaid card

I used to normally utilize my XXXX credit card for gasoline near the end of the month. And in XX/XX/XXXX I attempted to utilized the credit card mid month. Despite having a XXXX dollar limit for purchases I was not able to utilize the card. I received a bill for balance on the bill for {$15.00}. I mailed a check along with the credit card back to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for a billing payment due date on XX/XX/XXXX. Which would leave a balance of XXXX dollars due. 
Yesterday I received a bill for {$17.00} for a late fee as well as {$2.00} interest fee. I have communicated the closure of this account however the billing department at Synchrony Bank continues to bill for late fees despite receiving payments within the payment due date. Kindly address the issues with regard to late fees and interest fees for a closed account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} I disagree with the reported Balance of {$960.00}, as I recall it to be lower. Additionally, this account is closed and charged-off, and thus the Past Due amount should not be reported. To protect the accuracy of my credit score, I request TransUnion to mark this account as disputed. 


2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5700.00} This account is not mine, and I request TransUnion to remove it from my credit report. 


3. Account Name : XXXX XXXX ( Duplicate Account ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} This is a duplicate entry of the above-mentioned XXXX XXXX  account. I urge TransUnion to remove this duplicate account from my credit report. 


4. Account Name : XXXX Account Number : XXXX Date Opened : 11/16/2022 Balance : {$650.00} This account is not mine, and I request TransUnion to remove it from my credit report. 


5. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} The following account was never late, and I request TransUnion to remove it from my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of numerous consumer rights including 15 USC. Documents are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or inaccurate
Product: Credit reporting or other personal consumer reports

WAS GOING OVER MY CREDIT REPORT AND NOTICED THIS ACCOUNT THAT WAS REPORTING TO MY PROFILE DIDN'T BELONG TO ME. THE ACCOUNT LISTED IN DISPUTE IS XXXX XXXX XXXX XXXX ACCOUNT # XXXX I REQUEST VALIDATION OF DEBT THROUGH FORM OF ORIGINAL CONTRACT WITH MY WET SIGNATURE, IF PROOF OF CONTRACT WITH WET SIGNATURE IS UNABLE TO BE PROVIDED PLEASE DELETE FROM MY CREDIT PROFILE...
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. please delete this account from my report, this is hurting my ability to obtain credit. 


Account XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing this dispute because my credit report has fraudulent ( charges, bank finance and, credit accounts, car loans, personal loans and abused derogatory accounts. I am requesting that these charges be removed of my credit report, that any other charges and inaccurate information related to the fraudulent accounts credited to my credit account and that I receive a corrected statement. 

Enclosed are copies of ( FTC Report Identity Affidavit, Police Report, Letter ) supporting my position. Please investigate this matter and correct the fraudulent information as soon as possible.

In addition, pursuant to FACTA, as a victim of identity theft I am requesting that we get the items removed I reached out to a few and still have more to go I reached to a few accounts since the year XXXX and this is what i taken action now seeing al this on my credit some things where told to me by some companies it would be removed and it hasn't. 

XX/XX/XXXX {$570.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$390.00} {$110.00} XX/XX/XXXX {$22000.00} {$610.00}
Product: Vehicle loan or lease

I went on XX/XX/XXXX to inquire about a car, I mind you on my old lease, I still had 10 moths left on my lease, I fill like they had a motive the whole time, they told me they would buy me lease out they did not and they attached it on this lease and I feel like they screwed me put me in a 4 year lease for {XXXX} and he also did fraudulence by putting I was on the job for a year and I wasnt, I was only on my job for 4 months. I could have kept the car I already had because he claimed I would not see any good rebates on my car, I feel like I did not get a good deal, he screwed me for a car sale due to the car dealership was giving this car to XXXX XXXX schools and jacked the price up on me, the dealer ship also stated they didnt have any inventory, no cars were coming in but screw a long term customer to help pay the bills, that is not the way you do things, XXXX will never get my business ever again they can not be trusted on no levels, I seen on XXXX they have a lot of complaints on their website.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also attached my identity theft report as well.