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

Greetings! I am just making sure that these remaining inquiries will be removed after my update within 15 days. I am kindly asking the Experian and XXXX Credit Bureaus to please remove these inquiries from my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to XXXX, XXXX and Experian but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} XXXX {$260.00} experian {$0.00} Date opened XXXX  XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX month ( terms ) XXXX   XXXX XXXX  XXXX experian XXXX high credit XXXX {$15000.00} XXXX {$0.00} experian {$15000.00} Last reported date XXXX XX/XX/XXXX XXXX  XX/XX/XXXX experian XX/XX/XXXX date of last active XXXX XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Product: Credit card or prepaid card

When I applied for credit with Comenity Bank they approved me for a {$2000.00} limit, on XX/XX/XXXX. My yearly income is {$43000.00} and has not changed since I received this card. I have paid them on time ever month and paid it in full at times. My payment on XX/XX/XXXX was {$1700.00} ( paid in full ). I used my card again and paid the balance of {$410.00} on XX/XX/XXXX. 
On XX/XX/XXXX, I logged onto my comenity bank account and noticed my credit limit was dropped to {$750.00}. I called comenity bank XXXX and spoke with customer care, I asked the lady why was my credit limit decreased? Her response was, we sent you a letter on XX/XX/XXXX but here are 2 phone numbers for the credit reporting agencies, I called but you cant talk to a human. I called comenity bank back and spoke with a second customer care lady, told her I was not able to speak to a human with the numbers they provided me, she said hold one moment and I will connect you, I was not connected. I called a third time and spoke with a supervisor, he informed me a letter was sent out and i should get it Monday, ( I haven't ), I said just tell me why my limit was decreased, he said the letter is coming from the reporting agencies so, he is not sure what it says.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of the accounts below have 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 XXXX  have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX. I've been back and forth with EQUIFAX I've faxed them Documents I've called them and emailed them about the inaccurate reporting on my credit report.the account is XXXX XXXX XXXX  I paid and settled the debt on XX/XX/XXXX. And I've explained to EQUIFAX that I need this to be updated on my credit report so that I can get a loan for a house. I'm tired I'm using my wife 's email address.
Product: Mortgage

're quicken loans. I had called them about rates and where I would stand at receiving the rates and if they did a credit check would it be a hard hit, they told me yes. They ask me my birth date and social security number and I gave it him a man named XXXX. I told him not to peruse it because I could n't afford the hard hit on my credit report. He said okay. After he and I hung up, he went and ran a credit check anyway. I was sent an alert via email from XXXX. I checked my credit report and saw that points were removed because of the credit check that they ran without my permission .I would like it to be removed thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow up responses and still not get hear anything. The dates I sent the letters were XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00}
Product: Checking or savings account

On XX/XX/23, I opened a new checking and savings account with Citibank. I was informed by Citibank via email that my debit card should arrive by XX/XX/23. But I never received my debit card. 
On the morning of XX/XX/23, I saw a fraud alert from Citibank stating that there was suspicious activity on my Citibank Debit Card. I immediately reported that I did not recognize the activity and logged into my online banking account to investigate further. I discovered that {$1000.00} had been withdrawn from my checking account without my authorization. 
I immediately called Citibank to report the fraudulent activity and inform them that I had never received my debit card. Citibank assured me that I did not need to worry and that they would refund me within 10 days. However, on XX/XX/23, I called Citibank back to inquire about the status of my refund, and they informed me that my claim had been denied because the transaction was authorized. 
I then appealed the decision multiple times, providing information such as the fact that I never received my debit card, that I had filed a police report, and that it was their mistake because a Citibank customer service representative had unlocked my card right before the fraudulent activity occurred. Despite my appeals and attempts to provide evidence, Citibank continued to deny my claim. 
As of XX/XX/23, Citibank still refused to admit its mistake and provide me with a refund for the {$1000.00} that was wrongfully taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX  Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX. XXXX, XXXXXXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX & XXXX XXXX. XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 2022
Product: Mortgage

This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures. 
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ). 
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.
Product: Checking or savings account

I can not access any of my Ally accounts. I am repeatedly prompted to agree to various terms and conditions after logging in which ends in an error. Ally has been aware of the issue for many months. I am told over and over that my issue is going to be escalated to technical support with no timeframe on resolution. Multiple times now, Ally has stated that they determined I can access my accounts which is not true. Ally fails to communicate whenever it makes these false determinations leaving me waiting for a resolution that no one is working on. I have had no way of managing my accounts for over 6 months now. Ally keeps closing CFPB complaints without any resolution. I have no evidence to suggest that anyone is actually working to solve my issue. Ally 's lack of progress, communication, or concern is bordering on intentional malice.
Product: Money transfer, virtual currency, or money service

( 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. 
I want the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up auto pay through my XXXX credit cards website. The only option I could find was " pay in full ''. After several minute of looking around the site I selected the only option available to me. Then several days later I noticed that my entire balance was taken out of my checking account, when I only wanted the minimum, which is what I thought I clicked. Pay in full amount of XXXX dollars that is due, and so forth. They were kind enough in reversing this and putting the money back into my checking account. However, when I went back into my online account to pay what would have been due, it said that no minimum payment was due. I then signed up for auto-pay on XXXX/XXXX/XXXX approximately, and this time the select minimum payment option was somehow very easy to find. Yesterday on XXXX/XXXX/XXXX I noticed a derogatory mark on my credit report that I no longer have a 100 % payment history. I then noticed auto pay was set up for next month, so I paid XXXX dollars to my card right away. I have XXXX late payment on my report for the month of XXXX XXXX. I called XXXX to complain and hopefully remedy the situation, but they said since it was n't a mistake on their end that there is nothing they can do.
Product: Credit card or prepaid card

I have been trying to get my payment set up to make a payment for the last two weeks with continental finance for my cards ending XXXX XXXX, XXXX, and XXXX. They said they have been doing system update and as such can not process credit card payments. I am now going to be late due to them not having an adequate system. Every time I try to make a payment by phone, they said they can not do it. Every time I try to make a payment online, they give me an API error and it could not be processed.
Product: Debt collection

XX/XX/year> I was noticed by XXXX a credit card debt would be going to Transworld Systems Inc for the amount of XXXX. Would be taken out of my Social Security check. They are taking XXXX a month and my family is going hungry. They are charging me close to XXXX on a XXXX debt. They wont give me any information on why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting

I have applied for car loans within the two-week period through several different companies and several credit checks are showing up as hard credit checks I thought if they were for this same type of credit check light like a truck they are counted as XXXX credit check can you check into this and correct this as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of Identity theft I have asked XXXX and Experian to block this information. I have sent over three times id theft affidavit, FTC theft report, Police report showing the thief was arrested for using my information and showing I never lived in Georgia police report clearly states they arrested victim that lives at XXXX XXXX XXXX and that I contacted them from IN to let them know that wasn't me. She has been arrested three separate times for using my identity and charged with false information to police officer. Her ID in GA shows a different height XXXX  inches shorter than my license and XXXX  thinner .I have submitted all this documentation to both credit reporting agencies Three different times with only small results XXXX did there research and removed all items I'm asking that XXXX and Experian do there research and block these Items as well I can fax over all documentation needed it's only allowing me to upload one document
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Today on XX/XX/2022 I received an email from Chime stating they closed my account. I got no warning, no reason why and now XXXX not happy. I have a sick mother who recently had XXXX on XX/XX/XXXX and I went for her XXXX and scheduled to go back to Virginia Thursday. This has been and caused a HUGE inconvenience. I get paid every other Wednesday and my direct deposit from my job is scheduled to come tomorrow XX/XX/2022. I work for XXXX XXXX at home. I have bills to be paid tomorrow and again need my account open to be able to get an XXXX from the airport and to my mom and eat and simply do everything. I also have a scheduled refund from XXXX that is coming to me. XXXX just so distraught by this. I have attempted to contact chime and no one has responded to me and there is no way to speak to a live person. I even sent a dm on XXXX and XXXX and they just have an automatic response. This needs to be resolved quickly. I have a sick mom. Ive never misused my account. I paid back the spot me balance every paycheck and my history has been great these last few years. I have no other bank and I am freaking out at this moment typing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX  XXXX XXXX ; XXXXXXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;