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

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX  XXXX XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$860.00} XXXX  XXXX {$460.00} XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

*XXXX XXXX XXXX  - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Product: Credit card

A XXXX XXXX email was sent to me about my credit score changing. When I read the email, it also showed that a new credit card account had been opened in my name with US Bank on XX/XX/2023. I went to my credit reports and the card is listed as one of my accounts. I did not open this account and neither did my wife. The account is not listed on my wife 's credit reports so it was opened only in my name. The card has a {$10000.00} limit and a XXXX balance. My credit reports shows that payments were made in XXXX, XXXX and XXXX, XXXX. I contacted US Bank and made a complaint with the fraud department and they have put a stop on the card and are investigating. I was told that the card was sent to our address on XXXX XXXX in XXXX, IL, we have not lived at this address for 35 years. There was also a XXXX  account set up using my name but it is not a XXXX  account I have or have set up. US bank placed a fraud notification in my reports at each of the credit reporting agencies and also in my wife 's reports. I have also frozen my credit with each reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit card

Added on XXXX of dollars of interest and wouldnt let me make an payment arrangement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fu purpose.
Product: Credit card or prepaid card

I opened a XXXX 's card with a {$1000.00} limit on XX/XX/XXXX and used the entire line of credit on XX/XX/XXXX to purchase a refrigerator and washer/dryer. The total price was {$2800.00} and the additional {$1800.00} was paid using another credit card. Delivery was scheduled for XX/XX/XXXX and on that day it was determined that the items were undeliverable and couldn't fit through the doors. Delivery person said they'd return the items that day so we could pick something else that can fit through the doors. I received a call from the store that day from a XXXX 's associate who said the items were brought back to XXXX and instructed me to choose alternative appliances to be credited as an exchange. I came to the store that day and attempted to do so and was told that that wasn't possible because the items had not yet been received at the store, despite what I'd been told by the person who called me. I attempted calling that specific XXXX directly over 9 times on XX/XX/1925, XXXX, XXXX and XX/XX/XXXX with no answer. I called XXXX 's corporate number and was told a supervisor would call me. When no one did, I visited the store and spoke to a supervisor who said that the items still hadn't been returned and they would call me back to follow up. When that didn't happen I returned to the store again and spoke with the same manager who finally located my items and said someone in the store had made a clerical error which was why the items weren't showing in the system. He then issued me return credit for the full refund. I then learned through my Synchrony bill that my XXXX 's card was not issued the full refund with no explanation and had accrued a late fee. I disputed the charges and received word on XX/XX/XXXX from Synchrony that " we have been advised from the store that the credit was processed as a check. '' That statement is both false and ridiculous as a check was never an option discussed or used for payment. I did not receive a check and did not make any more purchases from XXXX. I want to settle this matter and restore my credit, as XXXX 's is fully to blame for this.
Product: Checking or savings account

Roughly XXXX of my hard earned money if being with held right now.
Product: Payday loan, title loan, or personal loan

As stated you did not answer any questions or respond to my statements. Per your response in XXXX it stated to make 1 payment a month interest free for 6 months. Not one place dos it state a minimum. payment. That is the issue at hand. I made 1 payment in XXXX. And when I went to make a payment in XXXX online it would only accept a payment of XXXX. Nothing less. Now it is XXXX or nothing. You gave 6 months interest free to pay off sine I have already paid you XXXX on XXXX loan and still owe you XXXX. You were not specific on payment amount just pne payment a month. And this second email was not in regards to any calls it was in regards to you reporting late on credot report when making a payment a month when you never specified amount just gave me 6 months. I made a payment in XXXX and your system refuses tp accept any payments I have tried to make in XXXX. So you are lying and I am not 30 days late and I am thinking I will just send this to CA attorney general now and small claims court.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX charged our debit card XXXX times in one night. I received an email saying that fraud charges were suspected from our bank, Wells Fargo. The following day, I tried to use my debit card for a purchase and it was denied. I went online to check my account and noticed numerous charges made to XXXX XXXX ( XXXX to be exact ), resulting in over {$1700.00}. I immediately called the bank and disputed the transactions. New cards were issued for both me & my husband since they had froze his card as well. The bank opened a claim and said it would be 10 business days before we heard anything back regarding the issue. 
The next day, I looked on my account and noticed that the banker hadn't caught all the transactions, so I added another claim. Meanwhile money was coming out from other bills and resulted in some overdraft fees. I didn't worry about it because I assumed that the bank would refund us the money once the claim was resolved. 
After awhile, since it was the holidays, I finally called to ask what was happening with our claim. The lady assisting me said that their investigator came to the conclusion that the charges in fact were not fraud and that they wouldn't be refunding the money. How can that possibly be? There's no way that we charged our XXXX  XXXX times XXXX night resulting in over {$1700.00}. I was angry, but the banker assistant couldn't help me anymore. I still have not received a letter or anything regarding the claim from Wells Fargo. It has been over XXXX now. 
We have been banking with Wells Fargo for at least XXXX years and never have had such a disturbing issue before. I have submitted fraudulent charges in the past and been refunded. I don't know why I am not this time. It is very upsetting to have money taken and then the bank not doing what they're supposed to be, protecting their customers.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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

These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. 
I have no acknowledge of these items. I did do a credit freeze and experian did remove them. 

I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

I have no idea what the rest is, this is fraud and i would like this removed off of my credit report.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I do not recognized, I did not give consent to these companies to pull my report, it is infuriating that they did this when they have no permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is 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 XXXX 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 reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.
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 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 I 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: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I requested the original applications or contract with said companies No response or validation of debt
Product: Credit reporting or other personal consumer reports

Last 4 of XXXX : XXXX RE : Account Number To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 

1. DEPT OF EDUCATIONXXXX XXXX XXXX paid/closed ACCOUNTS NEED TO BE REMOVED. THESE ACCOUNTS ARE OUTDATED AND WAS CONSOLIDATED TO ONE LOAN YEARS AGO! This inaccurate information is erroneously affecting my credit report and hindering my credit due to outdated information and incorrect information on my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run XXXX  or XXXX  years depending on the type of information. In my case, the information in question expired as of XXXX! 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Rategenius, as facilitated through XXXX XXXXXXXX XXXX auto loan refinance function on their app. I applied for an auto refinance loan based on an advertisement that promised a XXXX XXXX  monthly payment with a 6.41 % interest rate. 

However, upon interacting with a Rategenius representative, I was only offered a monthly payment of {$490.00} with an interest rate exceeding 9.5 %. This significant discrepancy between the advertised terms and the actual offer constitutes false advertising. 

Notably, the loan agent conveyed that achieving the initially advertised interest rate was unattainable, despite my credit score being a solid XXXX at the time of application. This raises concerns about the accuracy and legitimacy of the advertised terms. 

I believe I have been misled and subjected to deceptive practices, resulting in unnecessary hits to my credit score and wasted time. I kindly request that your agency investigates this matter promptly and takes appropriate action to rectify the misleading advertising practices employed by Rategenius.
Product: Credit card

I am trying to settle an old charged off account. I received a response from Capital One stating that if I removed the " cease and desist '' from my account that I could then be offered a settlement. I called Capital One today XXXX/XXXX/16 and asked that they remove the " Cease and desist '' from my account as instructed. I then read the letter to them and told them that I wanted to settle on my account and wanted to know what sort of settlement offer they had for me. They told me that because my account had been XXXX that they could not do a settlement. This is not fair, this is not what I was told in the letter from Capital One on XXXX/XXXX/16. I then tried to call the number for XXXX XXXX that was written in the letter, however that was an incorrect number. Who can I contact to settle this account? Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account last activity was XXXX not XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I co-signed my son 's loan in XXXX-I paid the loan off in XXXXNavient applied the monies to the wrong account, which I was unaware of, until XXXX. They have been calling and asking for repayment. They finally admit they made an error, but state now that it is too late to make the change.
Product: Vehicle loan or lease

At a time where most Americans are going through a hard time out of work because of Corona virus ALLY financial through their customer service number just informed me of the following issue ... 
They will not waive any late fees they will charge me XXXX dollars every single day i am late going through this situation needing an extension being out of work she told me on the phone that if I asked for the 120 day extension it will push me back six months on my actual loan meaning it would double my payments. 
Who is going to protection millions of Americans from this I will be contacting my state representatives as well local states attorney and congressman in my disctrict to let them know what this finance companies are doing to hard working Americans like me going through this hard time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. XXXX has been deleted and removed as a fraud account off my equifax report but I still have the hard inquiry. I never applied for anything under XXXX XXXX in XXXX of XXXX. XXXX XXXX was an acct closed in XXXX, so how do I have an inquiry of XX/XX/XXXX. Equifax had failed to remove and or investigate properly.
Product: Checking or savings account

My credit and debit card were both lost and I had to file a police report to make sure this issue is property investigated. Chime bank approved someone to buy over XXXX $ worth of goods from different sites and merchants and the information used for the billing and shipping address was not correct at all from XXXX and other merchants. So we already have proof of fraud. Chime bank makes their customers wait almost a whole 30 days to get their money back and seems like they do not even investigate the claims at all. Thats why I filed a police report to make sure its properly investigated.
Product: Checking or savings account

Hi I was contacted my Netspend about fraud being detected on my account so Im locked out of everything Ive been calling them for 3 days now no answer Ive emailed them for them to tell me they cant get in contact with me after I gave them my contact information 3 times. I dont know whats going on with my account I have bills that need to be paid and I still dont have a answer on whats going on Ive tried every contact information they had so far even emailed the president of Netspend still no response
Product: Checking or savings account

Bank of america wants me to verify dual citizenship in order to use online banking.I have been with bank of america for over 25 years and I feel the bank is trying to do the job of our immigration dept. they already have my social security number and phone number and address.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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 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.