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

You deleted XXXX XXXX credit cards and added them back and deleted XXXX XXXX XXXX XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( XXXX listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXX XXXX XXXX  credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported the account as being opened on XX/XX/XXXX to XXXX and Equifax. 

XXXX XXXX XXXX failed to report payment history for XXXX of XXXX. XXXX XXXX XXXX has the following inaccurate credit reporting which has violated my constitutional rights and XXXX XXXX under 15 USC and designated sub categories. 

XXXX XXXX XXXX reported to XXXX in XXXX of XXXX that the account was 30 days late. In XXXX of XXXX the account was deemed to be 60 days late by XXXX XXXX XXXX. 

XXXX XXXX XXXX reported to Equifax in XXXX of XXXX that the account was 30 days late as of XXXX XXXX 60 days. 

Under 15 U.S. Code as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with 100 % accuracy to the credit bureaus. XXXX XXXX XXXX has violated Federal Law and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus.

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to XXXX XXXX XXXXXXXX and they failed to properly respond or correct any information within a reasonable timeframe under US Law. XXXX XXXX XXXXXXXX violated US Law again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting. 

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. XXXX XXXX XXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.
Product: Checking or savings account

Someone got into my account... they did NOT take anything, they just " snooped around '' and left - bank calls THIS incident " fraud. '' Either in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a " friend '' sent me a check for {$40000.00}. I assumed that the check was legitiment - as a CITIZEN and NOT a MERCHANT, there was NO WAY that I could check the issuing bank to see if there was funds behind the check. I deposited and the bank " fronted me '' approximately {$800.00} until the check officially cleared. Unfortunately, the check was NOT viable, and it bounced, it was RETURNED. I paid back EVERY DIME of the money that was fronted, INCLUDING any and all bank fees. The bank called THIS incident " fraud. '' Because of these two incidents, the bank closed BOTH my savings ( balance less than XXXX dollars, AND my checking account. balance {$1300.00} PLUS. The bank USAA, then declared that they will HOLD and REFUSE any and ALL access to MY money - INCLUDING any SUBSEQUENT DEPOSITS for 60 ( SIXTY ) DAYS!!! In the meantime, I have bills that MUST be paid, including but not limited to - RENT, UTILITES, CREDIT CARDS, CAR PAYMENT, GROCERIES, and GAS!!! 

They " claim '' that they can LEGALLY hold MY money for 60 days - that it's written to their bylaws... but in the meantime, I NOW face a potential 3 day EVICTION NOTICE because I will NOT be able to pay MY RENT, I also face the potential of my CAR being REPOSSESSED because I can not make my CAR PAYMENT. I also face the very REAL POSSIBILITY of ALL UTILITIES being SHUT OFF because I will have absolutely NO INCOME - ( direct deposits of both my Social Security XXXX check as well as my Postal Pension for the month of XXXX ). They gleefully told me that " we welcome ALL deposits, but YOU can't have a SINGLE XXXX for 60 days, after which we'll send you a check. '' When I've asked to speak to someone about this travisty, I'm told " oh I understand '' or " I'm sorry '' - in other words, I'm being placated - and mocked! Yet they have REFUSED to honor any and all bill pay obligations, resulting me now MISSING a CAR PAYMENT and any other payments that I had scheduled! 

XXXX, I am XXXX XXXX XXXX!!! I believe that I am being UNJUSTLY PUNISHED for the actions of others of whch I was not responsible for! I can understand a bank holding my money for TEN BUSINESS DAYS - but SIXTY DAYS is HUGELY excessive and creates a HARDSHIP THAT I MAY NEVER RECOVER FROM!!! I worked HARD to get my credit rating up from a " low '' of XXXX to where it DID stand at XXXX prior to the bank STEALING MY MONEY!!! 

What I want is for this bank to RELEASE MY MONEY, and to REMOVE ME for their MAILING LIST SOLITATIONS - that under THIS SITUATION is nothing more than CORPORATE BEGGING for MORE of my MONEY!!! 

At one time, I had trusted USAA to have MY INTERESTS at HEART ... Now, the ONLY THING that they have at heart are THEIR OWN INTERESTS! They tell me that they are PROTECTING my money .... XXXX.. the ONLY THING that they are protecting is the BANK!!!
Product: Student loan

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00}
Product: Vehicle loan or lease

My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.
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 a, 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: Checking or savings account

I banked with Fulton bank for a few months and they mishandled my account, they denied any disputed transaction and froze my account without contacting me and letting me know whats happening. I receive checks from different clients and i shouldnt be punished if they are not sure if the check would go though. instead they froze my funds leaving me unable to access my money. They dont do proper investigations on disputed transactions and violate federal insured policies.
Product: Mortgage

Specialized Loan Services was provided documentation to show when payments were made for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, indicating paid within the same month and should not reflect 30 day late against my credit report. 

Specialized Loan Services agreed to remove the 30 day late for XX/XX/XXXX and XX/XX/XXXX however have not done so to date nor have re-reported to credit bureaus as promised. 

The organization also request proof of payment for XX/XX/XXXX for review for consideration of removing both 30 day late for XXXX and XX/XX/XXXX. Proof of payments have been provided, however still no updates nor updates to my credit report. 

I ask for speedy review and response, especially during unprecedented times such as these, as I need to be able to use my credit without inaccurate blemish to sustain my business. And wish to not spend unnecessarily resources on litigation of this matter, as I believe Specialized Loan Services will do the right thing here.
Product: Credit reporting or other personal consumer reports

In XXXX, the XXXX data breach exposed the personal information of XXXX XXXX individuals, including mine. Since then, I have been a victim of identity theft, resulting in fraudulent accounts and unauthorized transactions appearing on my credit reports across multiple bureaus, including XXXX, Experian, XXXX, XXXX, XXXX, and others. 

Despite placing fraud alerts on my credit files and repeatedly disputing inaccuracies, the fraudulent activity has severely impacted my XXXX score and overall financial stability. The long-term effects of the breach have caused significant financial and emotional distress. Furthermore, the XXXX settlement did not provide adequate support or resolution to address the damage caused. 

In addition, I have previously submitted complaints about this issue under the following case numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I am requesting the removal of all fraudulent and inaccurate information from my credit reports, restoration of my XXXX score, and assurances that appropriate safeguards are in place to prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification.
Product: Checking or savings account

I would like to link my pnc account with XXXX
Product: Credit card or prepaid card

I did not authorize the renewal of the XXXX 's XXXX from XXXX XXXX Bank. I closed the XXXX account in XX/XX/XXXX. Instead, I paid {$55.00} for the inner circle membership in XX/XX/XXXX. However, XXXX 's has been reluctant to remove the charge of {$110.00} from the XXXX account. I've contacted XXXX 's several times since XXXX and here are the cancellation confirmation numbers for the XXXX 's Perks Reward membership that they provided : XXXX, XXXX XX/XX/XXXX ; XXXX and XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX. XXXX  refunded {$110.00} on XXXX XX/XX/XXXX. The Comenity Bank continues to charge interest to the account and they are aware of the ongoing attempts to remove the unauthorized renewal charge of {$110.00}. Comenity Bank will not remove all late fees and charges to my account as they stated in the attached message on XXXX XXXX. As a result, my credit score has dropped over 80 points since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

XXXX XX/XX/2021 Complaint Against : https : //www.clearpathlending.com XXXX and XXXX Application ( fake number ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ( fake number ) XXXX and XXXX Florida Mortgage lender # XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending, Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail/ not requested marketing. Please Stop ( second request- XX/XX/2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Debt collection

This debt was reported and deleted from my credit file as unverified and according to law can't be charged twice I am asking this be removed and not put back on my credit file. It is known for harrassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Municiples employees XXXX  Municipal employees XXXX  Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Product: Debt collection

Consumer disputes account through Credit Bureau several times. Collection agency keeps increasing and decreasing amount owed each month without consent from consumer. Collection agency increases {$1.00} to amount allegedly owed, then the following month decreases said amount by {$1.00}. Collection agency does this every month. This is unfair practices and Collection agency refuses to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Wells Fargo Account # XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Rushmore is reporting incorrect balance information to XXXX. I asked them several times to correct this information, but they do not respond back to me. They are reporting the credit limit as the balance owed. The loan has a XXXX balance and they are reporting {$34000.00} as the balance owed. I contacted XXXX, and they contact Rushmore, and they do not update the balance information on the account. This is causing problem with my credit score. Rushmore also suspended my drawing on this Heloc because of XXXX incorrect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative remark appeared on XXXX and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows Buckeye credit solution who never contacted me about this amount due. They have now sold the dept to XXXX XXXX who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to XXXX  XXXX XXXX.