23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got this loan around or before the pandemic started and I began paying the Loan but the pandemic crisis affected us, and despite the financial issues with the pandemic, I still paid the payments fast forward to the the XXXX  hurricane. We had issues due to having a natural disaster and the company refused to helped us! I called many times and they refused to provide help I could afford to get back on track. I tried for almost a year to get some affordable payment options to pay back the debt. A week ago they sent an email which indicated they determined us as having disaster relief assistance. They never gave us any help. Something tells me they got federal money to help consumers but didnt actually help them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

I have spent an inordinate amount of time trying to get my payment records straight with Fifth Third. Although I pay a month ahead and additional principal on multiple occasions I am charged late fees. I attempted to get it corrected and am promised that it will be, but it requires continuous follow up and still is not corrected on this last go around. When I request detailed payment information they have sent a form that is unbelievably complicated. When I went to the branch to get an explanation the branch manager could not even follow the printout. I have had several mortgages and have never had the trouble and obscuration that I encounter with this bank.
Product: Debt collection

I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

There is a tradeline for XXXX on my Experian report for {$830.00}. This is in error and needs to be deleted. 

I have tried to log in to Experian, but the automated systems dont recognize me. The automated systems also wont let me speak to someone to correct my information so that I can log in.
Product: Credit card

On XXXX XXXX, 2016, I made an online payment of {$1900.00} to pay my Fidelity XXXX XXXX monthly payment in full, due XXXX XXXX, 2016. The payment posted to my account on XXXX, 2016. On XXXX XXXX, 2016, FIA Card Services withdrew a second monthly payment of {$1900.00} from my checking account for the monthly payment. Of course, this caused my checking account to be overdrawn and incurring a {$35.00} overdraft fee on my account. The erroneous XXXX payment of my monthly balance posted on XXXX, 2016. They now tell me it will be 7 to 10 business days before they can replace the XXXX payment back into my checking account, which may make me unable to pay some monthly payments while they are " researching '' the problem
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I had fraudulent unauthorized inquiries on my Equifax report that have been reinserted on my credit. I did not consent to authorize, nor benefit from the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized hard inquiries on my credit report that arent mine. I'm a victim of identity theft, and Id like to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. XXXX  XXXX XXXX noted in several documents within the case that only one inquiry was sent to Transunion on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to Transunion today and they're still claiming they show two inquiries from XXXX  XXXX XXXX on XX/XX/XXXX on my file. Transunion was not helpful in providing documentation of this only to tell me XXXX  XXXX XXXX needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXXXXXX, PA, XXXX Transunion also told me I needed to send a letter authorizing Transunion to remove an authorized inquiry from XXXX  XXXX XXXX. Transunion gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my Transunion file asap. 

Thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to CREDIT PLUS about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Resulting from the identity theft that should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've informed XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AUTOTRAKK LLC have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. XXXX  AUTOTRAKK LLC XXXX XXXX XXXX, XXXX, PA XXXX Respondent XXXX XXXX From : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic Libellant Month XX/XX/2022 CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXX bogus disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this XXXX  with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX from AUTOTRAKK LLC, according to 15usc1681b. I Did not give AUTOTRAKK LLC the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. 
I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
Kindly govern yourself accordingly. 
Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX, Attorney in Fact
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the account of XXXX XXXXXXXX XXXX XXXX acct # Account XXXX I have never been late on this account. Experian failed to update my report accurately. This is a factual dispute. and I have attached the results of that investigation which were still not correct. The inaccuracies are still there. 
All my payments for been on time. They are reporting a 30 day late in XXXX. Yet the payment history shows I made the payment of XXXX XXXX. 
So how can i be 30 days late? 

These are violations of my consumer rights according to FCRA. Please update this account correctly to paid on time and never late. 

Exhibit A. ( results of dispute Experian ) Report Number XXXX XXXX XX/XX/2021 XXXX
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now I have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CITI balance {$0.00} account # XXXX 30 days late in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$250.00}.
Product: Credit reporting or other personal consumer reports

Amazon ( Synchrony Bank ) approve me of a {$1000.00} crediti limit. I have paid my credit card on time and had no issues with my card as far as delinquincy. just a week ago, I received a notice of a REDUCTION in my credit limit. I contacted them and I was told that due to other limits from other cards, inquiries and amont owed, they reduced my credit limit. I explained that I am in grad school and that's why I have that amount on my Report. I aked why are they going into my credit report when they already approved of me for the {$1000.00} credit limit, I am in good standing but because of another creditors amount ( Dept of Education ), My credit limit has been reduced. She then said oh, it's also too many inquiries? I said how? they only way you could know that if you the one pulling my report as the inquiry! They used false marketing strategies for people to apply for their card, start a consumer with a higher approved limit of {$1000.00}, just to after a couple of months, drastically reduce to {$350.00}, and go back to pull inquiries unknowingly. This is no fair and have no right to do that! It's fauldy with these tactics to have people sign up for a credit card, to only drastically reduce their credit limit-oldest scam!!! I want my credit limit restored, especially since i paid my credit card on time.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : Date Opened : Balance : $ XXXX - Charge off Transunion XXXX XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Vehicle loan or lease

A letter was mailed on XX/XX/2024 to Westlake Financial Services requesting specific documentation. Please review the attachment.
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB complaint that brought to light serious problems with the platform. Both Zelle and my banking institutions did not sufficiently look into my claims, even though I used Zelle frequently and reported inconsistencies. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within four business days of receiving this complaint XXXX  XXXX Account numberXXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account number:XXXX XXXX XXXX XXXX Account Number:XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due ti 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

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXXXXXX Account Number : XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. -- -- -- - 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.