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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX. Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal.

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, Equifax has reported an inaccurate late payment for XX/XX/year> on my account, which is both unfair and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, Equifax 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information. Equifaxs negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, Equifax is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, Equifaxs inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that Equifax immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Product: Debt collection

This account was opened in XXXX. It been open for 8 years so far. This collection shouldnt be on my credit report, the collection agency said they purchased the collection in XXXX, how they did purchase a collection after 5 years it been open & reported to my credit report, I think the amount its incorrect, I called and I ask about the record from the old agency that they bought the collection from. They told me they cant I provided me with anything because they dont have no record from the old company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion refuse to accept communication that was authorized by me, XXXX XXXX XXXX XXXX, disputing information on my credit report.
Product: Student loan

My XXXX payment is almost half of my monthly income. I have contacted Aes several times about lowering my payment but every time they refuse to help. They say I am not eligible for any of the other options. I am a XXXX and will be forced to default if American Education Services refuses to help with a lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to Transunion, XXXX and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded.

Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by Transunion, XXXX and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from Transunion, XXXX and XXXX credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit card or prepaid card

Called XXXX  trying to transfer two google play gift card worth {$200.00}. The the rep said that I need to buy another {$1000.00} in order to complete the transfer. Then I realized it is a scam and ask the rep to refund the transfer, then they immediately disconnect the call. The phone number was XXXX. I am a victim of the scam please help. Called google play but customer rep wont help me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance in addressing an issue related to an account reported by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2016, and is currently being reported on my credit profile. I believe this account is inaccurate, and I am requesting its immediate removal from all three major credit reporting agenciesEquifax, XXXX, and XXXX. 

The primary reason for my request is that I was not of legal age at the time the account was opened. As I was under the age required by law to enter into such agreements, this account should not have been established in my name. Furthermore, despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have refused to remove the account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be both accurate and timely. Since this account does not meet these standards, it constitutes a violation of the FCRA, which requires that any outdated or incorrect information be promptly corrected or removed. 

Additionally, as per the FCRAs seven-year rule, accounts should be removed from credit reports after seven years. As the account was opened in XX/XX/2016, it has now been more than seven years, and should no longer be reported.
Product: Money transfer, virtual currency, or money service

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 XXXX XXXX  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: Mortgage

VA mortgage through JG Wentworth Home Lending LLC. My initial closing was delayed by one week because JG Wentworth required a form which upon discussing with VA XXXX in XXXX, the cleared termite report was sufficient. Instead of closing on XXXX XXXX, 2016, we closed on XXXX XXXX, 2016. According to the Closing Disclosure, the lock extension was {$2700.00}. However, the amount for lock extension was another {$2200.00}. The extra time required was not my fault because the lender was demanding a termite pretreatment form from the home builder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Wrote XXXX & TransUnion Multiple Times Due To Unauthorized Inquiries On My Report. Both Credit Reporting Agency Failed To Investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a block be placed on my Equifax The Work Number account on XX/XX/2022 and supplied all required documentation however, I have not received confirmation that the block was created.
Product: Debt collection

Best Buy has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX
Product: Debt collection

Recieved a letter from a Debt Collection Agency that informed me of my debt from JP Morgan Chase bank for my Southwest Airlines credit card onXXXX. There was no correspondence prior to receiving this letter which Chase has sold my debt to. The amount of the debt is stated as {$11000.00}. This is unreasonable and has taken a toll on my credit history. I am asking for this debt either to be removed and for any late payments to be removed from my credit history. Chase and XXXX XXXX XXXX are in non-compliance with this debt request. 

Thank you
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

Cancelled a line of credit with First Horizon Bank on XX/XX/XXXX to prevent any annual fees. XXXX statement showed I was charged {$50.00} annual fee. I called bank and spoke to XXXX XXXX, manger. she could not find the cancellation papers. I offered to bring a signed copy but she eventually found it. No refund was given on XXXX statement. I called again. XXXX XXXX did not call back but had an associate call to leave a voice message that my account had been closed but never mentioned {$50.00}. XXXX statement, still no refund. see attached how many times I called and asked to speak to XXXX XXXX yet never received a call back. Dealing with this issue since XXXX and it now being XXXX, I was extremely frustrated with NO communication from her. I had to threaten to call corporate office if she did not return my call. I did tell the associate who I spoke to that I was " XXXX! '' I ended up calling corporate and was told XXXX XXXX did not turn in the paper work until XX/XX/XXXX. Once XXXX received my threat, she called me and argued that I had never been charged. I challenged her to look at my XXXX statement that clearly showed the charge, but she ignored the request to do the research. The conversation got " heated '' and her tone of voice " completely '' changed when I told her that I had called corporate. The conversation became more heated to the point where I hung up on the phone. She called back and left a message that my account was to be closed in 10 days. XXXX statement ( last statement ) showed 2 online payments that were not honored, even though it was withdrawn out of my account. Another trip to another branch, these payments were honored as I was very embarrassed of the mishandling of funds with the two vendors involved. Had XXXX XXXX handled the refund and listened to me, starting with the {$50.00} charge, none of this would have happened. I received the refund on XX/XX/XXXX. Finally received a letter XX/XX/XXXX that the line of credit account had been closed. See attachments for proof. I have more attachments I will gladly share upon request.
Product: Debt collection

Repeated calls to my employer issued cell phone number, and my work telephone number of XXXX.
Product: Money transfer, virtual currency, or money service

It started on XX/XX/19 at around XXXX XXXX. I had gotten an email from PayPal saying that they had confirmed a purchase of {$99.00}. I went into my PayPal to see if I could reverse or stop the transaction, but it was already too late. I didn't make the purchase and I wanted my money back so I reported it to them. I waited a few days for them to contact me back and they said that the transaction was authorized and that my statement was false. They then continued to lock me out of my PayPal account until I had proof of my bank, bank statement, and a driver 's license ID picture sent to them. They said it would take 2-3 business days until I could get back into my account. I decided to take this onto their social media outlets which only solved me getting back into my account, but not getting back my money. They said that they will pit a specialist on my case but I haven't heard back from them. I was under the impression that PayPal was a safe and secure way to send and receive money, but I was clearly mistaken. I don't understand why I had to do so much in order to only get the problem partially solved.
Product: Credit card or prepaid card

I submitted an online application for a capitalOne savor credit card and after the process I was approved and received a {$30000.00} line of credit on the credit card. I immediately called capitalOne and stated that I did not ask for a $ XXXX line and said it was too high and that I wanted to reduce the line to $ XXXX. This call with capitalOne was 5 minutes after the credit card was approved online. I was told that if I reduced the line to $ XXXX it would adversely affect my credit score. I then requested to cancel the account and was again told that if I did it would adversely affect my credit score. I have an excellent credit score and work hard to keep it that way. I am a very frustrated consumer. When you go into a bank and apply for a loan you state the loan amount requested so why can a credit card company unilaterally assign you a line of credit on a credit card? 

My issue : how can a credit card company unilaterally assign you a line of credit without first checking with the consumer and giving the consumer an opportunity to request that it be lower? This is an example of unfair credit practices and I feel that the CFPB should take action to protect consumers like me and to prevent unfair credit practices such as this one.
Product: Checking or savings account

Tried to withdraw money XX/XX/2020 and then closed my account and still am awaiting funds from Axos bank.
Product: Checking or savings account

I recently opened an account with current. I lost my card and didnt realize it was gone, from XXXX XXXX to XX/XX/XXXX there are 25 transactions to various merchants including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., the total charges amount to over {$1500.00}. I closed my card as soon as I realized there was fraud on the account and I contacted support to open a dispute. They closed the dispute and claimed there was no errors
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : Wells Fargo Card Service
Product: Debt collection

On XXXX XXXX, I sent a letter to MJ Altman Companies to validate a debt they claim I owe. I have never had an account with them, so I asked for the original business transaction per section 609 ( e ) in the  Fair Credit Reporting Act. 

They decided to send me a statement that I could have written up myself on XXXX XXXX, showing what is supposed to be some type of statement. 

They did not provide me with any document which shows proof that the debt belongs to me, which is theirs to prove. 

Not only that, they are attempting to collect a debt that is outside of my statute of limitation, per Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations which specifically states that there is a 5 year limitation of any legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23. 

this company has violated their legal obligation under the Fair Credit Reporting act, as well as the Florida Statute of Limitation and they should be held accountable for this violation. 

I am well within my rights to pursue legal action against this company.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. As a victim of identity theft, my personal information was used fraudulently, resulting in items on my report that I was never associated with. Following the guidance of credit reporting agencies, I promptly filed an FTC report and submitted it as required. However, despite taking these necessary steps, these fraudulent items still remain on my report.
Product: Checking or savings account

Hello, I am very disappointed in citi bank. I opened up an online account XX/XX/2022 and received the card XX/XX/XXXX. I activated the card that sunday which was the XXXX. I then transferred my money from cash app to the citi bank card, which was XXXX XXXX later that day I tried to make an deposit of XXXX $ and it said invalid card. I tried is 3 times. it said the same thing. Then, I tried to transfer XXXX back into my cash app card to use it and it said contact your bank because it coud'nt be transferred. I called the citi bank and they told me they blocked my account because there were restrictions for cash app and XXXX. I was confused because I was never notified about those restrictions. I cried to them begging them because I don't have any money now. I told them that money was for rent they then told me sorry I have to wait 60 business days for a paper check. They hung up on me with no resolution. Very rude and out of order. Monday, XX/XX/XXXX. I had to call out of work with no money and walk to the citi bank. I spoke to the teller, and she called the fraud department. They were saying I have to wait 24 hours for an answer. I called the following day and they said the same thing and hung up on me. I've been calling ever since. Still no resolution.