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

Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, XXXX and Transunion that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a certified letter to transunion stating that these inquiries that are on my credit report are fraudulent inwhich i did not authorize them. 
XX/XX/2020 Transunion completed in investigation and stated that these inquiries were accurate even though there is a fraudulent activity alert on my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of XXXX and Equifax next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

XXXX : The follow inquiries are listed that I did not authorize : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX  23. XXXX 24 . XXXX 25 XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX XXXX. XXXX XXXX Equifax : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX XXXX. XXXX XXXX 20. XXXX XXXX 21.XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )
Product: Debt collection

T a t/c on XX/XX/XXXX stating that it was a call to collect a XXXX Visa balance from XX/XX/XXXX in the amount of {$14000.00} w/interest. I stated I never had such a card and it was never on my credit history the person whose name is XXXX XXXX ( unknown if that is her real name ) became  aggressive and said I should be thankful it wasn't and they can do a search of my " assets '' to satisfy the balance. She then transferred me over to a man ( name unknown ) to used a strong arm tactic to obtain my bank info. STUPID ON MY PART I know. They both said if I paid {$3000.00} the account would be settled and pulled the money from my account. I received an e-mail which contained a letter that asked me to " ACCEPT ' the terms however in order to read the letter I would have to accept first. I refused and sent the e-mail to spam. I contacted all credit card companies and have no outstanding balance with any, The representative at XXXX Mrs. XXXX went back to the beginning of time and validated that fact. I called this company back and became angry and very aggressive with them for their SCAM on me. The company is called USI Solutions and their address is : XXXX XXXX XXXX, XXXX, Pa., XXXX, their phone number is XXXX. I am ashamed and angry that I fell for this and would like your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 My credit was run twice, once through XXXX XXXX ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called XXXX XXXX and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.
Product: Debt collection

On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.
Product: Money transfer, virtual currency, or money service

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

I am filling a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries. It annoys me and gives me a lot of XXXX whenever I see them on my report. This causes me a lot of XXXX
Product: Debt collection

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is very low. I have no idea about these accounts I believe someone used my personal information. Im shocked because you put this negative information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX Experian XXXX XXXX XXXX To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XX/XX/XXXX XXXX - [ ]
Product: Credit reporting or other personal consumer reports

XXXX original debtor XXXX XXXX 11 Account number : XXXX Original balance {$340.00} NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

Hello, This message is in regards to an error from Mr.cooper mortgage loan company formally known as nationstar mortgage. 

The company 's website prompt accepted a monthly payment reflecting principal, interest, escrow, and additional principal payment. 

This payment was submitted XX/XX/XXXX - payment is {$1700.00} plus an additional {$500.00} principal payment which is entered separately in another prompt. 

Total is {$2200.00}, However mr.cooper mortgage applied the payment as a sole principal payment incorrectly and was unable to explain how or why it happened. 

On XX/XX/XXXX this issue was noticed when the complete payment history was reviewed after a payment was made. 

Cooper mortgage then reversed the payment of {$2200.00} into the intended payment of {$1700.00} plus an additional {$500.00} principal payment. 

The issue is that there were 3 payments made + 3 additional principal payments of {$500.00} total of {$2300.00} principal and {$1500.00} additional which comes to {$3800.00}. The balance of the mortgage is {$120000.00} as of XX/XX/XXXX when the error occurred. 

The balance should be XXXX however on the website the balance reflects {$110000.00}. so the problem is {$790.00} is missing from payments. 

A representative / supervisor submitted the information to billing for further inquiry. Her name is XXXX and extension is XXXX on XX/XX/XXXX. 

I am awaiting contact from the company.
Product: Mortgage

This company was the servicer of this loan and then bought the company that was charged with fraudulent lending practices. I have been paying on this loan since   XX/XX/XXXX   and originally borrowed  XXXX . After 8.67 % interest rate and a daily  XXXX  per diem rate I still owe  XXXX  after 14 years. This includes paying extra which the company holds in unapplied funds. For example I just paid  XXXX  dollars and only  XXXX  dollars was applied to principal. Since this company was involved in a Class Action Lawsuit where some customers received principal reductions or {$5000.00} I just do n't understand why I 'm being treated differently for this   XXXX   XXXX   XXXX   XXXX  . I have talked to over  100 different employees and executive 's and heard what  XXXX  was quoted as holding them   responsible. Over 14 years I have contacted the BBB, The CFP B ( 3 ) times, The US Tr easury, The Comptroller of t he US, numerous free attorney ad vice, The Urban Rural Housing Division with no luck. The company upon my request sent me a history of my payments and their stealing my money every month with no end in site. Help me this time, I 'm current on this loan but I cant keep fighting this company without help. This loan was taken out on fraudulent lending practices already litigated in  Federal Court.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Trans Union Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX District Court for XXXX XXXX XXXX Georgia XXXX XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts }. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Trans Union is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : Account Name : XXXX XXXX XXXX  : # XXXX : Balance : {$1200.00} : Opened : XXXX. XXXX, XXXX Account : XXXX XXXX - XXXX XXXX  : # XXXX : Balance : {$1600.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX  : # XXXX : Balance : {$780.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  : # XXXX : Balance : {$690.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX : # XXXX : Balance : {$6500.00} : Opened : XXXX XXXX, XXXX Account Name : Account Name : XXXX XXXX : # XXXX : Balance : {$170.00} : Opened : XXXX. XXXX, XXXX Account Name : : XXXX XXXX XXXX : Balance : {$270.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX : # XXXX : Balance : {$1500.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX : # XXXX : Balance : {$1300.00} : Opened : XXXX XXXX, XXXX Hard Inquiries : XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to these unauthorized accounts. Trans Unions failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX   XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX   XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX  XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX-XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and adequate information on my credit report. 
My personal information on my credit report is inadequate as well. I have requested to have my addresses, phone numbers, and name corrected on my report, this is a violation of my consumer protection rights.
Product: Money transfer, virtual currency, or money service

bank of america thinks they can steal my negotiable instruments and say there invalid, they had a blank indorsement, and idk why they are not letting me bank when all debts are prepaid.. and no one can pay anything only discharge and set off .. the fdic throws around XXXX of dollars at banks and i cant get a secured credit card.. 

how can i alter a postal money order when i purchused them also they must not know about the box rule, theres a box around the the purchase price .. means its not there.. also i submitted a claim for an expidited reclaim and they just ignore me. they said we had a contract and per the terms
Product: Consumer Loan

When we bought the truck we was told we would end up only paying {$15000.00}! After paying on this truck for almost XXXX yrs they are telling us we still owe over {$13000.00}. How are we paying almost XXXX for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press XXXX it tells us that were not due until XXXX XXXX but yet your CSR told me it 's XXXX days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is XXXX wanting WAY more then what the truck is even worth. No one is giving me a straight up answer. They laugh on the phone and they are smart. I want to know why we are being XXXX ...