23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing twice. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX XXXX {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX XXXX  {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ---
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I hope this finds you well. Back on XXXX records # XXXX. We submitted a complaint to you regarding XXXX XXXXXXXX XXXX  In which you passed on the information to another agency. We never heard back from anyone. After a long battle with XXXX XXXXXXXX on the phone XX/XX/2019. We were told, because we mailed a final payment with a letter to close the account BUT logged into the XXXX  XXXX web portal to verify they received final payment ... that triggered " reopening '' the account in which we were charged {$500.00} +/- monthly fees plus finance charges since we had no idea " we reopened the account by logging on ''. XXXX XXXX via a recorded phone call on both sides, assured us they would remove from our credit report ... in which we filled a complaint with CFPD and wrote letters to all 3 credit bureaus. One credit reporting company did communicate with us and it is removed, but the other 2, never responded and the XXXX XXXX is a mark against us, with late payment and account closed by XXXX XXXXXXXX. This company preys on people mistaking them for XXXX XXXX, same logo, etc. Address out of XXXX XXXX, company is actually XXXX. How do we stop this company from preying on others? How do we once and for all get this horrid mark removed from the other 3 credit bureaus once and forever? They are a predatory falsifying " Bank '' lender NOT from USA
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that i have the right to privacy 15 USC 1681 section 604/ section 2 also states that a consumer report agency can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Credit card

I opened the US Cash Back rewards card to use on monthly utilities and other large purchases because of its quarterly 5 % back categories. Through and according to the statement ending XX/XX/XXXX I have only received 5 % back on one purchase from one category. This was one furniture purchase. The recurring monthly utilities, which I have confirmed with their customer support team are accepted in their system correctly, have not yielded the 5 % that I have selected. My account reflect the fact that I have selected the correct category starting in XXXX of this year. See below the following transactions by reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted US bank and am told it takes 3-5 weeks to review and resolve this concern. It has taken nearly 3 months now and when I call for an update and to add to the list, I am told that it is still pending in a review. Credit card companies will be the first people to exact every penny out of you if you miss a payment, but will drag their feet for months to reward good use of their card. I have always paid the balance in full and have yet to receive they advertised and contractually obligated rewards payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress from ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Equifax consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account Number:XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that a representative from Transunion would unlock my credit report multiple times. I have not had access to upload my documents on service.transunion.com and it is imperative that I do so to rectify this situation. This is a big issue for me because the post office is closed by the time that I get off work and I am unable to mail them on Sundays because the mail doesnt run on Sundays. I work 6 days a week and the least that Transunion could do ( if I am paying for their credit monitoring service ) is to make sure that I am able to upload my documents to them in a secure manner. 
Thank you, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I solemnly declare that my identity, XXXX XXXX XXXX, has been stolen and usurped by another individual with a similar name, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX, California. This act of identity theft has had a devastating impact on my life, preventing me from exercising my rights and carrying out basic activities in this country. The confusion caused by this usurpation has seriously affected my ability to function normally in society, jeopardizing my integrity and well-being. I demand that necessary steps be taken to rectify this situation and restore my legitimate identity.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

Trans Union, LLC failed to update my Chapter XXXX Bankruptcy ( XXXX ) on my credit report. The bankruptcy on my credit report should be listed as " Chapter XXXX Dismissed / Closed ''. However, after disputing the account with Trans Union, LLC ; TransUnion has repeatedly failed to update the account as closed and has left the account open.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
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.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-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.
Product: Student loan

I am currently part of the Public Service Loan Forgiveness program. As part of that program, I have to submit proof I worked for an eligible non-profit employer during the dates of my loan repayment. Once I have made 120 payments, my loans are forgiven. 

I have worked with Mohela for XXXX years to update my eligible payments and employment. I currently have employment from XX/XX/XXXX through XX/XX/XXXX that has been certified and is eligible for the PSLF program. However, those 11 months have failed to be counted- even though Mohela has put, in writing, in XX/XX/XXXX that they know those months should count but that they do not know when the count will be added to my total. 

I initially consolidated my loans with Mohela in fall XXXX. I waited another year to have my eligible counts updated after submitted proof of all my eligible employment. I called XX/XX/XXXX to have this issue addressed. At that time Mohela installed a XXXX review on my account ( # XXXX ) to fix the missed payment counts and asked me to call back in 30 days to check the status. 

I called back XX/XX/XXXX and Mohela indicated my XXXX review was on hold until XXXX reviewed the dates and added my request to their batch approval. 

I called back XX/XX/XXXX. At that time, Mohela installed an additional XXXX review ( # XXXX ) of my account. They initiated XXXX would need to conduct an additional review. in XXXX XXXX  XXXX Mohela also sent me a message, in writing, that they know my payments for the months of XXXX should count but they were waiting on XXXX to update their system. 

As of XX/XX/XXXX no forward progress has been made. I have submitted an additional employer certification form to provide proof of eligible employment and have asked that my account be placed in administrative forbearance until these months are added to my total. The missing months will push my account over the XXXX payments required for forgiveness. 

Payments resume in the next few weeks and I have waited for a resolution to this for over 2 years. I need additional assistance in making sure this is addressed asap.
Product: Credit card or prepaid card

I used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX  and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override.
Product: Payday loan, title loan, personal loan, or advance loan

Covington Credit located in XXXX, Tennessee. I paid the loan off in full over a year ago and they are reporting to the credit bureau, that my payments are late. I no longer have a loan or account with this company, so l would like for them to stop reporting to the credit bureau inaccurate information.
Product: Credit card or prepaid card

I originally set up the account when the business name was Bill Me Later. This company offered zero interest during a specific time period then a relatively high interest rate after the no-interest period expired. I was able to pay the the borrowed sum during the zero interest period in a timely manner before I lost my job. 

I have been struggling to find stable employment. Despite what the Trump Administration brags about, the employers are not interested in investing in their people long-term ; they are only interested in hiring on a temp basis with low wages. I contacted PayPal multiple times to ask that they work with me ; the goal was to close the account to prevent it from accruing more of the ungodly amount of interest that they charge so that I can continue paying with the eventual goal of paying off the balance. PayPal has repeatedly refused to work with me leaving me no choice but to abandon the account. I have written multiple requests to PayPal 's customer service asking SPECIFIC questions about resolving this issue and the only thing I ever receive in return is a template complaint overview ( attached ) which addresses nothing and solves nothing. 

PayPal also refused to help me resolve an issue with a supplier. I purchased tickets for a concert online at XXXX. The company did not disclose that the seats that I was purchasing were obstructed view - the seats were sold months before the show. When I arrived at the venue, I found the seats were placed behind towering sound and video equipment. The only way I could see the stage was by viewing the large tv screens. I contacted the supplier and requested that they compensate the cost of the tickets - they were {$300.00} tickets - but they refused and the attorney general for XXXX didn't think the fraudulent activity coming from this organization based in her district was important enough to investigate which is appalling. I asked PayPal to  reverse the payment due to the circumstances and assist me as their customer - but they refused. 

So far, PayPal has had the audacity of charging an exorbitant interest rate without providing any customer support for a fraudulent purchase and in addition to this has refused to work with me regarding the excessive interest rates which is one shade from being criminal. PayPal has SO MANY COMPLAINTS about their garbage customer  service and fraudulent business practices that I am shocked that they are still permitted to operate. There are many consumers out there who don't see options in fighting big Corporations but it is these very same people who are struggling with companies like PayPal who feed off of them like vampires through the obscene interest rates. This site gives you an overview of how the American people feel about PayPal : # XXXX XXXX XXXX XXXX I am willing to pay what I owe them but the interest charges have to stop. What these companies are doing I consider to be abuse of power. They are affecting the lives of millions of people without any care whatsoever as to their business practices. 

I look forward to your help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number XXXX ...., XXXX XXXX XXXX Account number XXXX .... XXXX XXXX XXXX XXXX  Account number XXXX ... .has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint asking XXXX  to update my TransUnion credit report information because Ive made payments all this year ( XXXX  ) but my TransUnion credit report only shows one payment for this year XXXX and thats XX/XX/XXXX paymentif XXXX  is not going to update or report all my payments, Im asking that they refund me the monthly service fee of {$14.00} for each month they have not reported/updated/reports/update my TransUnion credit information which would totally {$100.00} for each month that has not been reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX )
Product: Debt collection

We received a letter from a debt collector ( National Credit Adjusters , LLC ) that says we own more than 700 hundred loan related to my property from a loan company XXXX XXXX XXXX XXXX XXXX XXXX ) that we never know. We are trying to dispute it. The debt collector ask us to provide FTC Identity Theft Report that specifies the original creditor and original account number.
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report today, can't help but notice that there's an inquiry in it that I don't recognize which was really concerning it made me extremely anxious. I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Bank account or service

Received a Western Union money order that I ca n't deposit for XXXX days. Says I have to wait XXXX hours. I was under the impression that money orders are prepaid and available right away. I 've searched the internet high and low for anyone else encountering the same thing. Found nothing about this, nothing on Western Unions website ether. Everything I did find read like it should be available right away.