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

I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX  XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and Trans Union did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and Trans Union ( attached disputes ) and with the court at which it is allegedly held. Trans Union stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both Trans Union and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because Trans Union and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : Trans Union did not investigate, again, and XXXX failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like trans Union and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do Trans Union online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet Trans Union does not investigate and XXXX fails to look at the information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Experian Consumer Dispute Department po box XXXX XXXX, TX XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX The only correct address that should appear in my report is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit card

On XX/XX/XXXX I applied for a financial product with Capital One. At the time of application, Capital One failed to disclose how my application and security interest would be utilized to create value for the bank. The credit granted, which was based on my security interest, was not adequately disclosed, thus constituting a failure of disclosure under the Truth in Lending Act ( TILA ), XXXX U.S.C. XXXX. 
XXXX. Unjust High Interest Rates Despite numerous inquiries and administrative procedure requests, Capital One continued to apply high interest rates to the estates account ( s ), violating the fair practices outlined in the Fair Credit Billing Act ( FCBA ), XXXX U.S.C. XXXX, and other provisions of consumer protection laws that require fair and transparent interest disclosures. 
XXXX. Non-response to Administrative Procedure Requests On XX/XX/XXXX, I submitted a formal request by mail to Capital One asking them to revoke the POA granted over the principal account and to reverse the security interest back to the estate. Capital One has failed to respond to this administrative procedure request within a reasonable period, violating rights under the Administrative Procedure Act ( APA ), XXXX U.S.C. XXXX, and also failing to meet their obligations under Regulation Z ( Truth in Lending ) and Regulation B ( Equal Credit Opportunity Act ). 
3.4. Improper Account Closure Despite the pending request to address the security interest issues, Capital One improperly closed the estates account without providing adequate notice or reason. This act violated the terms of the Equal Credit Opportunity Act ( ECOA ), XXXX U.S.C. XXXX, as well as XXXX C.F.R. Part XXXX, which prohibits discrimination and arbitrary account closures without due cause or proper communication. 
4. Violations of Law 4.1. Truth in Lending Act ( TILA ), XXXX U.S.C. XXXX Capital One violated the TILA by failing to properly disclose the use of my application and security interest in generating credit for the banks financial benefit. The bank also failed to disclose the actual cost of credit, interest rates, and other material terms required under the law. 
XXXX. Fair Credit Billing Act ( FCBA ), XXXX U.S.C. XXXX Capital One failed to fairly and transparently disclose how interest rates were applied and failed to honor good faith billing inquiries under the FCBA. High interest rates applied to the estates account were unjust and caused injury to the estate. 
XXXX. Administrative Procedure Act ( APA ), XXXX U.S.C. XXXX Capital One failed to respond to formal requests submitted in writing to revoke the POA over the principal account and to reverse the security interest back to the estate, a violation of due process and procedural fairness. 
XXXX. Equal Credit Opportunity Act ( ECOA ), XXXX U.S.C. XXXX Capital One violated ECOA by closing the estates account without responding to the administrative procedure requests and without just cause. The failure to process these requests and the closure of the account could be construed as discriminatory, in violation of the estates equal rights to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX  XXXX XXXX # XXXX 30 DAY XX/XX/2021 XXXX  XXXX  # XXXX XX/XX/2021. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers.
Product: Checking or savings account

On XX/XX/XXXX I went to make a deposit at a Bank of America ATM machine located at the XXXX XXXX XXXX XXXX Branch.

I deposited a computer ( vendor check ) for {$900.00}, a small personal size check for {$400.00} and {$100.00} cash. 
I have a business checking account, however I am a sole proprietor. 
The small personal size check was from my own personal checking account that is established with a credit union. 
The machine did not read the small personal size check for {$400.00}, it did read the computer check for {$900.00} and the {$100.00} cash. I called on XX/XX/XXXX, XXXX. A representative said the bank would issue the {$400.00}, they did. 
In the mail I did get a letter from Bank of America with a claim number. In the meantime the credit union notified me that {$900.00} was taken from my personal checking account. 
I have copies of the deposited checks - the checks were meshed together. My personal check is in the front and what is seen from the company check ( in the back of personal check ) to the right is amount {$900.00} and top logo and name of company. The bank took {$500.00} more. 

I have called many times. I spoke with XXXX managers, several bank representatives - it been a few weeks with no contact, mail, to let me know what the hold up is. 
I just called again on XX/XX/XXXX, the Rep said he would escalate and gave me another case number. I'm leery of anyone at the bank, ( BofA ) I find no one wants to help, I can not get through to someone for help.
Product: Checking or savings account

I opened a new checking and savings account with Sun Trust Bank ( big mistake ). I have never used the account, but set up a direct deposit from to hit it. Out of the blue today, when trying to get a debit card, I was told my account is being closed. My paycheck is sitting in the account for as long as they feel like keeping it, and I am unable to pay my bills. I work hard, and this bank is literally putting my housing at risk. It's disgusting. I can not even log in to the online banking site to access information. I'm distraught. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX, many small charges were being run through my Truist checking account and I suspected hacking. On XX/XX/2022, Truist put a debit hold on my account ending in XXXX and opened a new account ending in XXXX. I have a mortgage with XXXXXXXX XXXX that was paid on the XXXX every XXXX by auotpay. Because my account number with Truist changed, I made my XXXX, 2XXXX payment with XXXX manually using the Truist account ending in XXXX. The payment was processed by Truist on XX/XX/2022. Later in XXXX, I got a notice from XXXX that it was charging my account {$25.00}. I called XXXX and ask why I was charged XXXX XXXX.The representative said that I did not disable the autopay and another XXXXXXXX XXXX  payment was sent to the old Truist account ( XXXX ). I told her that my account was hacked and that my account number changed ( XXXX ). She said she could not waive the {$25.00} unless I got a letter from Truist that fraud was involved. The rep at Truist said they are prohibited from issuing fraud letters. XXXX sent the XXXXXXXX XXXX payment by autopay to account XXXX instead of XXXX, causing my XXXXXXXX XXXX payment to be late. When I received notice that the payment did not go through, I immediately paid it manually on XX/XX/2022.
Product: Payday loan

I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.
Product: Credit card or prepaid card

On XX/XX/2022, a fraudulent charge ( + XXXX XXXX XXXX # XXXX XXXX XXXX ) appeared on my credit card for the amount of {$40.00}. 
On XX/XX/2022, I contacted Meriwest Credit Union and informed them that this charge was not made by me and my credit card was stolen. 
On XX/XX/2022, I received a new credit card from Meriwest Credit Union. 
However, on XX/XX/2022, Meriwest Credit Union reversed the provisional credit to my account. I tried explaining to them several times that this charge was not authorized and me and credit card was stolen, but they refused to listen.
Product: Credit card or prepaid card

Ordered five {$100.00} pre-paid VISA cards through our PenFed Rewards program. Received XX/XX/XXXX with expiration date of XX/XX/XXXX. Contacted Penfed on XX/XX/XXXX because we didn't realize they expired so quickly. Asked for new cards to be issued in the amount of {$500.00} and that we were willing to pay the {$5.00} processing fee per card to do so ( {$5.00} x 5 cards = {$29.00} ), as printed on the cards. Penfed refused to credit the money or re-issue the cards, so I asked to speak with a supervisor. Received a phone call on XX/XX/XXXX and was told the cards could not be re-issued, nor could our {$500.00} be sent to us via check, transfer, etc. They also said they would not refund our reward points spent ( XXXX  points ) to negate the {$500.00} loss. I asked to speak to that person 's supervisor and received another phone call on XX/XX/XXXX. I was told they would credit our reward points balance with XXXX points. So, at this point, we only received half of our points back, so we effectively lost {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I HAVE ASKED THE COMPANY MULTIPLE TIMES TO TAKE THIS OFF MY CREDIT I HAVE DISPUTED A XXXX TIMES. THEY SENT A CARD TO MY OLD ADDRESS AND SOMEONE MAXED IT OUT THEY TOLD ME THEY WOULD TAKE EVERYTHING OFF AND SEND OUT A NEW CARD. THEY SENT ME OUT A NEW CARD BUT PUT ALL THE CHARGES BACK THE NEXT DAY SOON AS IT WAS ACTIVED
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NOT BELONG TO ME ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX THESE EMPLOYERS ARE NOT MY EMPLOYERS REHABILATION CENTERJUPI THE REHABILITATION CENTER REHABILITATION AT XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in

vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXXC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Money transfer, virtual currency, or money service

I was trying to add my Visa visual wallet PNC bank card to my XXXX XXXX   and it says that the card cant be supported to this app
Product: Money transfer, virtual currency, or money service

Square allowed their client XXXX XXXX XXXX to break several of their rules and charge my XXXX credit card as a 3rd party payment facilitator for {$3500.00} on XX/XX/23. They also collected over {$100.00} in cash from me. Clients are not allowed to charge a card for something they aren't personally selling. I also was never offered a receipt and the transaction didn't even say what the transaction was for. I was never asked to sign for the transaction and I later found out the merchant forged my signature! The problem was the 3rd party sold me a horse that had falsified veterinary reports. The horse was delivered but I immediately noticed something wasn't right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a dispute with my credit card company but because Square is backing up the lies of their client such as submitting evidence that is not from the merchant but from the 3rd party that has been proven to have committed fraud ( proven by the vet the seller said the records were from but had never examined the horse and proven from my vet ) my credit card company XXXX XXXX XXXX had denied my rightful refund. The merchant also broke the rules of Square by refusing to have any contact with me to try to resolve the dispute yet Square is still defending them. I recently found out Square 's client has a disturbing criminal record and has been sued many times as well in civil cases. The 3rd party is currently being sued by creditors and the merchant and 3rd party have even been sued together! I informed Square both through certified letter and online that their client broke many of their rules and forged my signature but they refuse to talk to me. I want my {$3500.00} back because I was purchasing a horse that was supposed to have vet records verifying it was sound and rideable. Instead I got a useless horse that I'm now stuck caring for the rest of its life and tons of vet bills including the cost of multiple surgeries. The merchant and 3rd party are con artists and scammers. I was fraudulently induced into a purchase and never received what I paid for. If the 3rd party actually had legitimate vet records I wouldn't be so upset but their lies resulted in a horse suffering needlessly just so these people could get my money. 
Note : A friend of mine is the one who found the horse being advertised on XXXX which I found out later goes against XXXX 's rules.