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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations 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

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

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


I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card with balance of {$3700.00}. I was in an XXXX  relationship and forced to get the card, forced to use the card for his business. Never saw a penny for the payments after we broke up, even though he promised he would pay the bill. I currently am XXXX, working on getting XXXX and homeless. Im trying to get a loan for an apartment but this credit card on my report wont let me qualify for even a {$500.00} loan. Im kindly asking for help getting this resolved and hopefully removed from my credit report so my current partner and I can stop living in my car. He has been on the job hunt with no luck. Im just trying to get back on my feet and winter is coming. I have a dog and cant sleep in a shelter. Please and thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX 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 1666B : 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: Mortgage

My husband lost his job last year with covid we asked US BANK to put us on a forbearance plan. We missed 3 payments he found another job and we called and asked for them to stop the forbearance. We started making payments in XXXX. They sent us the documents to finish the process we sent them back never heard from US bank until we got threating letter about foreclosures etc.. we called them they said it wasn't notarized so they threw it out. They sent another packet we never received in XXXX we called they told us to go online and submit the app that way so we had a lady on the phone walk us through the application. Never heard again from US bank XXXX we called they said there backed up and will get to it. XXXX we called got another run around were backed up there's nothing we can help you with its with an under writer now etc ... XXXX again were trying to refinance the mortgage my refinance company got involved with them and all they did was put us on another forbearance until XXXX. That is not what I wanted in the middle of all this I have been making my payments fighting with them to resolve my forbearance and put the interest free loan on the back of my mortgage and give me my new payment plan. They give us the run around every time and will not resolve my account. I have contacted their social media they have pushed it to the higher ups still haven't heard from them. I have been fighting to get this resolved for 5 months now and I'm not happy how US bank has handled it. I have done everything they asked by submitting paper work paystubs mailing back the paper work going online and submitting docs. They have never once reached out to me to resolve the issue. I have called every month on this with no resolution. US BANK is the worst bank ever!!
Product: Mortgage

On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Submitted a hard inquiry to XXXX XXXX XXXX. 
I did not authorize it and the name of the person isn't me. 

I don't know if this person stole my identity. Or if the company ( CREDCO ) did it on there own. 
I am afraid that my identity will/has been stolen by this company or the person who submitted loan applications to this company. 

It dropped my credit score.
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 that I've 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 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 XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX I also Attached my Identity Theft report as well.
Product: Credit reporting or other personal consumer reports

You, Transunion LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood. Not only that, Transunion LLC has no operating jurisdiction in United States of America or to its citizens and if so show proof of jurisdiction and show proof of my wet signature giving consent or authorization. I am a human bodily flesh, who is not part of the United States corporation U.S. but I am a United States of America XXXX XXXX XXXX ; who you are imposing on and i do not consent or authorized to contract with XXXX or any of its subsidiaries. Ucc-1-308
Product: Credit reporting or other personal consumer reports

I applied for an apt to which I was denied due to collections on my credit reports once I checked the reports I found tons of fraudulent activities as well as inaccuracies investigating this issue I found no answers only that my name showed up on XXXX data breech. ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I enrolled in an Experian membership and I would like to cancel. I did not pay a month and have to pay again in order to cancel. This is absolutely stupid and absurd. I need not pay for the " privilege '' to cancel a membership. XXXX Experian.
Product: Credit reporting or other personal consumer reports

Dear Credit Collection Services, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next 30 days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate public record information.They failed to do a proper investigation.They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still stating this information as accurate
Product: Consumer Loan

In XXXX XXXX we took out a SECURED loan w/World Finance ( WF ) in the amount {$5000.00} ; and, also took out insurance, should I become unemployed due to no fault of my own, the installments would be made on my behalf. 

XXXX XXXX, XXXX, I made a payment in the amount of {$200.00} ; and, on or around the XXXX of XXXX XXXX, I was laid off. I submitted the appropriate documents WF requested where I was approved for unemployment from the State of Tennessee and documents from the employer that laid me off to the WF office where the loan originated. 

I received a phone call from the Manager a few weeks later she did not know how to submit the claim to the insurance company and instead offered to refund the monies I had paid for the insurance policy. I told her that I paid for this policy and I needed it to pay off and suggested she call a supervisor or someone that could assist her. I found out that she instead called another finance company, we had a loan with, in the same town, to find out how they submitted the claim on us. 

I continued to submit my employment searches believing the Manager was taking care of the insurance and never once was I told any different. 

Fast forward to XXXX XXXX. I checked my credit and discovered in XXXX XXXX, WF had " charged off '' this secured loan as a bad debt. I called twice and left a message with XXXX of the employees for the Manager to return my call. The call was never returned. I never received a phone call, letter, nor any type of communication trying to collect on this secured loan. 

Then on or around XXXX XXXX, XXXX, I received a letter from a collection agency where WF had turned the account over to them with an amount due of {$2900.00}. I called the collection agency and told them the above-scenario and was advised to visit the WF office personally and take the letter we had received and explain it should have never been turned over for collection. 

My husband and I went to WF on XXXX XXXX, XXXX @ XXXX and talked with the Manager. She " said '' the last attempt they made to contact me was in XXXX XXXX ( I NEVER received a call from them ). I told her I had left messages for her to call me and she said she never got the message. She had copies of a letter ( s ) from the insurance company stating they were not paying off as they never received documents they were needing. I asked her where all the documents were I had dropped off, i.e. job searches, etc. She did not have them in the file and said she had never received them. 

My husband asked her since we were getting no where what could be done and she said it was out of her hands and she would need to contact her Area Supervisor. My husband told her to get him on the phone, we would wait. She left the area and tried to get in touch with him. She came back and said she could not contact him. She gave us his name and phone number. I have tried unsuccessfully to contact this gentleman 3+ times and left messages and he has not returned my call. 

I have contacted the collection agency and kept them informed and they have placed the account in a " hold '' status for 30-days.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , IN XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 
Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : 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 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 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 According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumer 's authorization or for permissible purposes, such as credit. employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA. 
or tese enaushorized inquiries. However, i diese inquiries are no reese eirin oval days, I am prepared to take further action, including pursuing legal remedies. only me are unal and a preciate any guane you ensuing the my ris as resolution of this issue and the enforcement of the FCRA. 
Thank you for your attention to this important matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX inquiry Date : XX/XX/year>
Product: Debt collection

I did not give XXXX XXXX XXXX permission to release my information to a 3rd party to collect a debt. That is violation of the Hippa law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written many notices to the company as well as submitted my police report that my identity was stolen. I have never spoken to the disputes department nor received any information as to why the charges on the account were not disputed. I have disputed the charges on the account and the Law states  that they should be investigated. Nordstroms has never contacted me regarding the fraudulent charges made on this account. I have sent many letters as well as phone calls. They continue to report to the credit bureaus saying the account is charged off but how can you charge off an account where I did not make any of these charges. I want the charges reviewed and investigated as I have stated in the past. I want to speak to someone at corporate regarding this account
Product: Credit reporting or other personal consumer reports

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 
15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Money transfer, virtual currency, or money service

I've been in an ongoing argument with SEZZLE and XXXX XXXX to attempt at getting my refund totaling in XXXX dollars that I had made and already paid for that XXXX XXXX claims to have already refunded me but sezzle and XXXX XXXX are doing some kind of scam because I've received not money from either company for an order I made XX/XX/XXXX I'm the customer why the XXXX am I left with no hair and no money?!?!?! They also don't comply with there own contract where they say I'm not responsible for any future payments involving that order XXXX I'm so upset I don't go around giving out free money for no XXXX reason that sounds stupid to me XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX agreed to remove the cox communications of my credit report. 
XXXX XXXX XXXXXXXX is reporting an account that i didnt open and capital one removed it, it was open when i was in XXXX 
XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts