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

I mailed a letter requesting verification of the information held with the company Advantage, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from XXXX  in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education Loan Servicing dept and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am unrelated to the listed creditors, and those inquiries are not authorized by me.
Product: Credit card

I applied for the Citi AAdvantage Executive Mastercard on XXXX XXXX. My application went to pending status so on XXXX XXXX I called in to provide some additional information and shifted my credit lines to open the new account. On this call I confirmed with the Citi representative that I was eligible and and would receive the offer of XXXX AAdvantage miles after spending {$5000.00} on my new card. The Citi representative confirmed this and approved my application. 
On XXXX XXXX I called Citi to inquire about why I had not received the bonus miles. They stated that since I had the card in the past I was ineligible to receive the bonus. When I told Citi that a representative confirmed that I would receive the bonus offer I was told " The application department should n't have told you that ''. I spent over the {$5000.00} necessary and paid the {$450.00} annual fee and feel that my obligations to receive the bonus have been met. I was provided with false information from Citi and they are now withholding the bonus that I applied for, was approved for and was confirmed to me over the phone by a Citi employee.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.
Product: Credit reporting or other personal consumer reports

Here I attach the results of my reinvestigation and the identity theft report, which clearly shows that Transunion did not delete the account XXXX XXXX  # XXXX which is in the identity theft report. Which is why I requested that it be removed from my credit report.
Product: Mortgage

From the beginning, 21st Mortgage has been a pain in the XXXX. First, they made every effort to make it difficult to obtain the loan like ; Not excepting military pay as income or my XXXX. One comment was " You cant be active military and receive XXXX income! '' Another " We can not accept a down payment from a nonprofit organization '' Now that I have had a loan with them for a year, it seems that they make it so difficult to make a payment. They reject payments and demand that I provide my checking account number over the phone, which makes me very uncomfortable. 

From day one they make me feel that I am a criminal trying to scam them when it is the other way around. They are the criminals trying to take my property. 

Even with the ESCROW, they claim I was scamming because I am a young guy paying very low taxes on the property. They never saw where a young person pays as little as I do on property taxes.
Product: Checking or savings account

I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised
Product: Money transfer, virtual currency, or money service

I am filing a complaint about cash app ( block, inc. ) Due to service and unfair practices, which violates the consumer financial protection act. Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation 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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent several letters to Equifax. Starting with a request to validate this debt, I have sent cease and desist letters, as well as a request for the original contract with my signature. none have been received, and demand that they be removed from my credit report. They have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt, so I am here to get a resolution, meaning removal of this debt. 

I have sent a XXXX letter on XX/XX/2024 for XXXX XXXX in the amount of {$14000.00}, allowing them the XXXX of 30 days which is attached, and the account is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX committed XXXX XXXX XXXX I am a victim of identity theft and I never authorized this inquiry/account. 
This company XXXX opened a trade/credit account using incorrect address & name. 
They falsely posted that account to my credit report. 
I called XXXX customer support but no answer. They have no fraud department to submit complaints.
Product: Credit card or prepaid card

I used my credit card for 2 months, I made 3 payments, my credit card was paid in full. The citi bank still want {$390.00} from me, but they ignoring me, they do not want to solve the problem. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with Flagship XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Product: Credit reporting or other personal consumer reports

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit card

BMO bank closed my account without warning & didn't find out when I went to make a small purchase at a grocery store. Have to use another card instead. Came home & looked at my XXXX account & it looked normal with available credit & said payments were up to date. The customer service representative said I would be receiving a letter in the mail in 10 days & couldn't help me. I can't remember the actual date I called but it was in the last XXXX  days. I received the letter today they identified my relationship that may not fit their requirements. Stating unable to reconsider this decision. They did this to me a few yrs ago but turned around & sent me an enticement to obtain their credit card again. I have always been a great customer paying more than the minimum payment. When I got off the phone with the XXXX customer & got on my computer to figure out what to do with my account all the information was wiped out that same day just showing my just my credit balance. The letter I received today XX/XX/2025 which I had been waiting for said they have the right to close my account for any reason but didn't tell me the reason just my undesirable relationship. XXXX  months ago I went into their branch to make a first small cash advance & was denied it saying XXXX had them stop my account based on fraud but admitted it was a mistake & gave me the advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I  recently obtained a copy of my credit report from Equifax. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, XXXX, XXXX  and TransUnion have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Product: Checking or savings account

In XX/XX/2022 I contacted support for CashApp. My phone was stolen so I had to change my number and go through the process of getting all of my personal information transferred to my current number. CashApp proceeded to ask me a lot of personal questions which I answered in order to close my old account since it was connected to my old number and transfer my funds into my new account which I had to create since I didnt have access to that number anymore. They proceeded to give me the run around for almost 5 months and my account is still open and I still have yet to receive my funds or even be granted access. I have constantly asked for a supervisor or the fraud department and they never ever respond with a supervisor despite telling me they would. Every single time Ive tried to access my funds they dont even give me an explanation. I have contacted them at least 15 times over the past 5 months
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX # XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per inclosed documentation from XXXX  and the actual XXXX  XXXX late payment on my report was placed incorrectly. 
However XXXX  and Equifax continue to report information that was admitted by XXXX and XXXX as incorrect. 
Inclosed is a all related documentation including reply from the Attorney General of NYS, screenshot of the current reporting status by all 3 credit Bureaus. 
As per attached document the maturity date of the account is XX/XX/2020 but yet XXXX is reporting late payments on the account is closed and paid off. 
Terms of lease according to furnisher is 6 month and yet expiring is listing it account status still open and terms of the lease is 36 month .Equifax is not reporting terms of the leas and reporting account Paid .No investigation was ever made by XXXX  or Equifax and I have never received any investigative report .FCRA violation and violation of NYS implemented rugulations that the furnisher must submit verification/modification of the account on a carbon copy and that CRA must retain this copy and supply the consumer if such carbon copy is requested .I have never received any pice of paper from this 2 Bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is showing up three times on my Credit Reports .

The amount allegedly owed is {$660.00}. This account was sold to XXXX and then sold to XXXX XXXX  on behalf of XXXX. 

Due to this error, please remove the account listed under XXXX  XXXX on my credit report. 

According to the FCRA, a debtor must attempt to contact you before a debt is sold. XXXX XXXX has not contacted me, nor has XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

SYNCB/TJX CO XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN AND XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS ON DATE XX/XX/XXXX FOR BALANCED OWED {$4600.00} 15 U.S.C. 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PROVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION SO THEREFORE I NEED THESE ACCOUNTS DELETED IMMEDIATELY IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN AND XXXX XXXX XXXX ACCOUNT XXXX XXXX HAS VIOLATED MY RIGHTS ON DATE XX/XX/XXXX FOR BALANCED OWED {$0.00} U.S.C. 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PROVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION SO THEREFORE I NEED THESE ACCOUNTS DELETED IMMEDIATELY
Product: Debt collection

KMT GROUP LLC and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  want to collect a debt that is not mine they put a r {$2000.00} estriction on my bank account and want to collect 15 % of my SSD money a month i lost my ID and someone is using my identity as their own also the department of treasury wants to collect {$110.00} on top of that or that is the monthly payment for the debt i dont know its not mine any of it and all my info was exposed on the internet I don't know for what there is no way to contact them by phone or internet i tried and someone opened a spectrum account in my name for XXXX obviously someone is stealing my identity and I don't feel safe please contact me for help these people want to steal my XXXX and content of my XXXX XXXX XXXX  account