23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a Netspend reloadable prepaid card XXXXXXXX  and attempted to register it and the representatives are giving me the run around and refusing to refund my money because they say my ssn is linked to a closed fraudulent account which I have no access to. They refuse to escalate to a higher level of customer service to resolve it or they flat out stop talking and refuse to hang up so they don't violate company policy. I will file a lawsuit if needed. This was my child XXXX birthday money I loaded onto a card so she can spend when she goes off without me. It's a sizable amount and is XXXX
Product: Mortgage

On XX/XX/2021 my wife and I looked on XXXX to search for the best rate on a jumbo loan refi. We both have excellent credit scores and the XXXX on our proposed loan is about 50 %. 

As per the attachments, Ally Bank CorpXXXX listed a jumbo loan offering on XXXX with an APR of 2.577 % for our loan and a monthly P & I payment of {$2300.00} per month, assuming a credit score above XXXX. Based on this information, we spent over an hour filling out Ally 's application. 

We then received a Loan Estimate with an APR of 4.147 % and a monthly payment of {$2800.00}. Page 5 of the LE cites " New Information unknown at time of original LE '' as the reason for the change. This is false as our credit scores and loan values are even higher than listed. 

This is a blatant example of " bait and switch '' by the lender and they should be sanctioned for it. I am certain that I am not the only borrower who has wasted their time filling out a loan application with Ally, only to have a dramatic increase in the APR at the end of the process.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. 
I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.
Product: Money transfer, virtual currency, or money service

I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX
Product: Checking or savings account

I used my Cashapp card to pay for an XXXX XXXX  in XXXX Florida. However the Hotel was full of Roaches, Bed bugs ... .... I filed a dispute on the Charges with Cashapp because the Hotel did not Fulfill their Obligations in providing a livable Conditioned Environment. 

However as you can see from the photos I sent Cashapp the room was infested with Roaches. I am a XXXX Veteran as you can see from my Monthly XXXX Direct Deposit that I get from the Treasury Via the Veterans Administration. 
I have also provided XXXX XXXX from other Occupants of that Hotel. 
Given the Gravity of the Living Conditions that I was intentionally placed under, I Kindly ask that I receive a Provisional credit so that I can find a Livable Accommodation. As stated before I am 100 % XXXX and I need the funds. Below is the Response that I received from Cashapp. They denied all my Claims. 

XXXX XXXX XXXX XXXX XXXX XXXX Cash App Card Yesterday + {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXXXXXX XXXX Cash App Card XX/XX/XXXX {$160.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Cash App Card XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXXXXXX  Cash App Card XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Cash App Card XX/XX/XXXX {$190.00} Dispute denied We reviewed your dispute with XXXX for {$340.00}. 
and based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied.

You can reach out

to Support for the documents we relied on to make this determination at any time. We appreciate your patience throughout the dispute process. Thank you, Cash App Support I kindly request that you address this issue with Cashapp please. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may assume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Debt collection

XXXX XXXX states in XXXX XXXX  someone used my social security number to purchase one month of cell phone services and gave an address in XXXX when I live in XXXX XXXX. They told me I will need to file charges with XXXX Police Dept and fill out a form online designating I am who I say I am. This is ridiculous cause I dont live in XXXX I live in XXXX XXXX Someone used my ssn and not happy want it removed from my record!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX
Product: Bank account or service

An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.
Product: Credit reporting or other personal consumer reports

In summary, I have been experiencing issues with a consumer reporting agency, specifically XXXX/TRANSUNION/XXXX XXXX  The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of 18, creating a forced non-consensual bond over the last five years. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the XXXX XXXX XXXX XXXX claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.
Product: Debt collection

STATE COLLECTION SERVICE at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Wi XXXX has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian is indicating an 'unscorable ' rather than a ( n ) usable credit score, fix please.

I verified with Experian providing my Oregon State ID, Social Security Card and XXXX XXXX XXXX  Statement. 
I want Experian to indicate the accurate credit score for my usage. The XXXX XXXX XXXX is scheduled to erase and delete on XX/XX/XXXX of 2023 noted on my Experian membership. I spoke with Experian multiple times and received an agreement of the XX/XX/XXXX deletion date. In addition all hard inquiries erased. I spoke with the student loan XXXX that stated the student loan amounts are sent to the three credit bureaus monthly. The XXXX and XXXX are both showing the {$95000.00} account balance with verifiable credit score. 
Fix and indicate the score with the hard inquiries removed and collection removed with Dept of Education XXXX amount and balance to be indicated on my Experian account immediately with previous data of in good standing previous student loans Immediate. 
XXXX : XXXX. 
Address ( es ) :. XXXXXXXX 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 have already so many times reached out to the following account below and talked to them about the issue with my account as reported by the RADIUS GLOBAL SOLUTIONS LLC. They have advised me again that they will delete this on account on my credit reports right away due to unverified and inaccurate information reported, also the fraudulent account will be deleted, however, as I reviewed my recent report, the account mentioned are still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the information that is being shown in my report. I have filed an FTC report on this complaint with the FTC report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting inaccurate information on my credit reports, Ive tried to speak with the creditors they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Product: Debt collection

AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with Cavalry Portfolio Services in XXXX and I have yet to got a reply. 
I do not understand why this is taking so long. I hope you can help me on this issues.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the persistent reporting of a late open account on my credit report, despite my numerous attempts to correct this error through your dispute resolution process. 

I have submitted multiple dispute requests, accompanied by supporting documentation and evidence, to rectify the reporting of the late open account on my credit report. Unfortunately, despite my best efforts, the correction has not been made, and this error continues to adversely impact my creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the reporting of the late open account on my credit report.

Provide a detailed explanation for the repeated failures to correct the reporting despite multiple dispute submissions. 
Expedite the necessary corrective measures to update my credit report accurately and remove the late open account. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In consideration of the persistent challenges faced in resolving this matter, I expect a resolution within the exact timeframe from the date of this letter. The ongoing reporting of this late open account has caused undue stress and has negatively impacted my financial standing.

Failure to address this complaint promptly may compel me to escalate the matter to regulatory authorities, and I may seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4600.00}.
Product: Vehicle loan or lease

I had a car loan with XXXX XXXX  or bridgecrest during the height of the pandemic. I tried numerous times to get help in my payments. The pandemic was the result of millions of jobs lost including mine. I explain that to them in detail and how I lost my job during the pandemic and I was unable to pay my car payment and I needed help and they didn't help me. They told me that it wasn't their problem and I needed to make the payments and I asked them several times if they could cut it in half or do whatever was necessary to help me keep the car and they refused. As a result I got the car repossessed. I was out of a job for over a year after that pointAnd as a lot of people going the same position that I was as a result now my credit report is still damaged to the point where I still can't get credit because of it I recently called bridgecrest about a few months ago to see if they could help me at all and they said no. The pandemic ruined a lot of people 's lives and it was nobody 's fault. It was just what it was but today I'm still suffering because of it because of my credit report because of the car being repossessed they need to do something they need to help in some way
Product: Credit card or prepaid card

The disputed charge was posted to Chase Visa on XX/XX/2018. The actual date of the transaction was XX/XX/2018. The dispute was for {$260.00} to XXXX XXXX and XXXX in XXXX XXXX, CA. 
I did not get the tour I paid for but upon my call to Chase Visa the representative asked if I got into the limo and I did so she concluded that the charge remains. Two days later received a letter saying case resolved and the charge remains, before I got a chance to write a letter or send information. 
My dispute is with the XXXX Rapid Rewards Chase Visa Card. I was never asked to submit a letter I wrote to the company, nor was I allowed to submit letters from my clients about how their clothes were ruined and made sick in the limo. 
Chase representatives just blew me off! They did not even speak to the limo company prior to telling me too bad!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Membership Services. 
I called and spoke with XXXX who was very rude and refuse to provide me with her supervisor. I called back and was transferred to the Supervisors of the membership department, spoke with XXXX, same department as XXXX. He refused to provide me with a manager. 
Manager ; XXXX would not provide that information. 
Supervisors of the membership department. 
These supervisors provided the same poor service as the membership representatives. The supervisor XXXX talked over me and was disturbingly rude to the point where I was encourage to write this letter to advise Eperian of how customers are being treated.
Product: Debt or credit management

I was approached by my Debt Relief company, XXXX XXXX XXXX after making a year in on time payments. They told me the want to accelerate my repayment program which was XXXX years by referring me to their partners, Reach Financial for me to get a loan to increase money in my account to be in a better position to offer deals to my creditors ( credit cards ). I was told by reach financial that tgey would give the money to XXXX XXXX XXXX and my debts would be cleared in weeks, not XXXX more years and will be saving me even more money. They said my interest would be somewhere in the low teens a nd my payments monthly wouldn't change from what I was paying XXXX XXXX XXXX. The only thing that would change is that my payments would go to them for sane amount of time. I took the deal. After a few month the withdrawals started coming out of my bank account. I noticed that the payments were much higher. From around $ XXXX monthly to $ XXXX  monthly. I then took a look at look at the recurring payment schedule and amount repayment total. I was shocked to see my interest rate was 27 % and my payments went on for XXXX years instead of XXXX. What was paid to XXXX XXXX XXXX to settle my debts was around XXXX. My repayment to Reach Financial would be around XXXX. They lied and are trying to scam me and rip. Reading XXXX complaints I see they have did this to many consumers. Both these companies are predatory lenders taking advantage of consumers in desperate financial situations and need to be stopped. I have canceled with my bank all my remaining recurring payments and will no longer make payments to this company ( Reach Financial ). These XXXX companies have a scam going and I will not tolerate it
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

HARRASMENT CALL SUN LATE AT NIGHT EARLY IN THE MORING XXXX XXXXCONNS THIS PEOPLE ARE NUTS
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted this creditor to negotiate the past due debt in good faith. I was told that the account had reached the 7 year statue of limit to collect in California according to FCRA guidelines and that the company was not licensed to collect debt in California but they would continue to report to on my credit to all 3 credit bureaus until the account reaches 10 years then they will decide if they will write it off as bad debt. They refuse to negotiate with me to settle the account and have it removed from my credit and claim they have every intention of ruining my credit up to 10 years until 2027. They refuse to remove this and threaten to ruin my credit up until year 2027.
Product: Debt collection

this collection was put on my credit report on XX/XX/16 this is not my debt I have corresponded with this company on several occasions with no avail to remove this account of my consumer credit report it was obtained in fraud and sent to collections for {$72.00}. this has ruined my family 's ability to obtain credit in the future I have been turned downed. and it meets FCRA regulations per my Attorney XXXX and XXXX  already have taken it of there reports
Product: Debt collection

Hunter Warfield is attempting to collect XXXX for unpaid rent for the XXXX XXXX XXXX. They were paid by XXXX XXXX of Minnesota. they sent them the payment in XXXX. Also I went by the apartments in XXXX and could see patio furniture on the balcony, and people in the apartment. I could als0 see the TX from the XXXX XXXX parking lot. The trios are trying to double and even triple dip for the rent which is illegible in Minnesota.
Product: Debt collection

XXXX XXXX keeps calling me and leaving VMs staying that this is an urgent matter and to contact them at a different number than what is coming up on caller ID. Plus they continue to call my wife, brother in law and sister in law leaving the exact same message even using my name. 
I work as a XXXX XXXX XXXX XXXX and can not change my number as I have emergency calls at all hours of the day/nite. These calls come at hours before XXXX most of the time but can come at any hour of the day. 
The thing is, I have not debit with this company. They shouldnt be calling me anyway!
Product: Credit reporting or other personal consumer reports

Someone has used my social to try to open several accounts since XXXX to current from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im really frustrated that this from your company on my credit report that I never authorized is still reporting. I kindly ask of you remove it.