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

I received a copy of my credit report and I have found the following item listed below to be in error. 
( XXXX XXXX ) This account has not been late on payments, I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ). 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave any Credit Bureau, or XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX  tried to make withdrawal at my bank XXXX XXXX XXXX  = denied multiple times. 
Called several times and spoke to representatives. 
Was told by US Bank ReliaCard representative that my bank withdrew the funds, then put them back! Absolutely false, My band was denied several times! 
Was told that the monies could be transferred Friday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Went to bank, Denied, spent over 3 hours on phone with US bank ReliaCard representatives XXXX XXXX XXXX XXXX XXXX 
I was hung up on twice, then was told that no such transfer was possible? 
After several attempts, was able to withdraw {$1500.00}. 
Can not touch again till Monday as there is a 24 hour limit. 
My bank is not open on XXXX. 
I have been denied over 23 times for funds when the US bank ReliaCard representative states funds are available.
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 tak T timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these account ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consumer reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXXXXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}
Product: Checking or savings account

i am a seller sell products online. Paypal Robbed me for no reason, i sold some legit electronics on PayPal, after few days when i tried to withdraw my money ( {$15000.00} ) they suspended my account, i called them and asked the reason to suspend but they never gave me any reason but told me u will get your money within 180 days if no dispute is made, during that time no claim was made, around XXXX day, XX/XX/2022 they just took money from my account without any notice or anything. in transaction details it says " {$15000.00} USD ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; ''. 

i called them they again never told me what what policy violation i made or anything. 
i didn't violate any policy or i don't owe any money to paypal i dont know why they took my money. i do need your help please i have 2 small kids and i lost my job and have to pay my credit card debt. please help. 
i attached the paypal transaction page which they took all my money. transaction ID and detail is included.
Product: Credit reporting or other personal consumer reports

I contacted Self Financial to request the removal of a late payment from my Self Visa credit card account, ending in XXXX. The late payment occurred due to medical treatment for XXXX, which temporarily impacted my ability to manage financial obligations. Self Financial refused to accommodate my request to remove the late payment from my credit report. 

This refusal has adversely affected my credit score, making it difficult to secure better housing and manage

my ongoing health needs effectively. I have diligently attempted to resolve this issue with Self Financial, but their response has been unsatisfactory and unyielding.

I kindly request the CFPB 's intervention to address this matter and ensure fair treatment in correcting inaccurate credit reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a credit card which was opened and used fraudulently and when I reported this to Macys they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.
Product: Debt collection

I have derogatory notices on my credit from a company called RBC. I took my son and his daughter to an emergency room. My son did not have his ID with him, so in order to have my grandaughter seen i gave my ID. I have disputed this bill many times without success
Product: Credit reporting or other personal consumer reports

I have been receiving illegal responses from Equifax in response to a series of disputes that i filed contesting illegal information in some of my credit report accounts between XX/XX/XXXX and XX/XX/year>. Equifax in their response has insisted that the accounts i disputed are accurate and that i should furnish documentation to support claims in my disputes all of which is totally untrue and in violation of section 623 of FCRA .Equifax has not demonstrated in responding to my disputes that they conducted a investigation by contacting the data furnishers and asking to inspect their physical files containing permissible, signed and, dated documents supporting the accuracy and completeness information reported in the disputed accounts. Under section 623 of the FCRA Equifax and the data furnishers has a duty to act after a consumer dispute is filed not the consumer. Furthermore Equifax has not provided me with a copy of any such evidentiary documents to which they relied on to support their illegal act of verifying the disputed account, a mandatory requirement under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a Mercedes XXXX XXXX  vehicle in pristine condition. They sent me a letter with a disposition fee ( I agreed to pay ), excess mileage of {$90.00} ( I agreed to pay ) and {$690.00} for tires which I did NOT agree to pay as I did not agree with their assessment. Furthermore, the pictures in the report I uploaded side with me that those tires were in good condition. I leased this car at XXXX miles, which means these tires were already used. They want me to replace the tires for them so they can bang more buck out of this. Then, they proceeded to report the {$1400.00} amount on my credit trying to ruin a XXXX credit score when this is illegal. They can not assess fees without an agreement outside of the contract. Contract allows them to charge disposition fee of {$690.00} + XXXX = {$780.00}. They can not unilaterally put stuff on my credit leaving me with no choice but to pay or ruin my credit when they are breaking the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 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 an account without my written instructions. 15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX EQUIFAX XXXX INQUIRY XX/XX/XXXX EQUIFAX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and this is not a Third Party Service! 

The credit bureaus gave repeatedly and continuously abused me and my consumer rights! They have misled me, they have lied to me constantly, they have given me information that stalls and hinders the fraudulent information on my account. 

I have spoken to every representative from each of the bureaus and they have each told me different stories to attempt to hinder my FTC Report. I was told my XXXX to send in my FTC Report through fax with two forms of identification and a cover letter and after doing to was told my fax never came in. 

I was told by Transunion to send in my paperwork through the mail and they have told me that I needed to be more specific with information even after being as specific as I can be. 

XXXX has blocked me from deleting fraudulent address that I have attached to my FTC Report stating that they wont delete it. 

These bureaus are following their own rules and not those laid out by the FCRA. I can not understand how the bureaus are continuing these misleading conversations and are ignoring the information provided and then stalling with sending letter saying that there are errors when there are none I am demanding that these fraudulent account be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and damaging my life as I know it. The bureaus have taken advantage of me and are biding me by the credit bureaus that they serve. They are not for the consumer but instead are ran but the creditors and will display any information they want them to even if fraudulent as in my case.
Product: Credit card or prepaid card

XX/XX/2023 I logged on my Capital one phone app to check if I had any upgrades to my current capital one credit card. a few options came up but it said on the app, " continue with application. '' So at this point I called into Capital One 's customer service to speak with an account product specialist, his name was " XXXX ''. I asked, If I continued with this new card feature will it open a second account or hit my credit report. XXXX responded to both of my questions with " No they won't it will just be the same card and number just different product. I said thanks and politely hung up the phone. I kept the screen open, and went back to finish the upgrade to my capital one credit card. It was upon finishing the account that I see it had in fact opened a new account with a different card number and different credit balance. I then return to call capital one and learned that what XXXX had told me was in fact false. I not only opened a new account when I did not want to, but it negatively impacted my credit score. I asked capital one to reverse this to which they closed my new account but said once the account was opened, they could not reverse the hit to my credit report. I am absolutely stunned that Capital One would not provide training needed to inform customers of the correct information. This is a eye opening experience. I no longer have trust with capital one and will be requesting they close my accounts and delete what data they are legally allowed to delete under both Federal and Ohio law. What I want to do is hopefully use this service provided by the CFPB to request Capital one reverse the hit to my credit score since their product specialist XXXX told me false information ( he lied to me ) about the upgrade not hitting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION
Product: Credit reporting or other personal consumer reports

XXXX I spoke with credit escalation department XXXX XXXX XXXX XXXX Indicates that Wells Fargo Bank keeps changing the delinquent years. First it was XXXX XXXX, now its XXXX! 
This report just started on my credit profile and it was not on there the previous years. 
Base on the FCRA XXXX ( c ) you must provide financial statements for the years of delinquent.I want Wells Fargo deleted from all my credit reports from my credit profile with XXXX and XXXX XXXX.I want them to provide Finacial statements from XXXX, XXXX, to determine if this should be on any of my credit reports with the Bureaus .You can not keep changing the Delinquent years with out Finacial statements to prove this is accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached account were created without my knowledge and i would like them to be permanently deleted
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw XXXX XXXX TransUnion. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, TransUnion, and XXXX 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 ( XXXX ), 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. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
Product: Checking or savings account

We are a business checking account customer with BMO Harris Bank. BMO Harris has two different portals for online banking. bmoharris.com ( digital banking ) which we use daily and is secure. They also have the portal XXXX XXXX XXXX XXXX ( XXXX ), which was not secure. In XX/XX/XXXX we faced numerous issues with the XXXX and our ability to secure the credentials for the security of the site. We communicated these issues to BMO Harris ( see email dated XX/XX/XXXX with BMO bank employee XXXX. It was our decision then to close and lock the XXXX access as we could not use it or secure the site. We chose to use the XXXX XXXX instead, which we had secured. Harris replied on XX/XX/XXXX that the XXXX was locked ( see email dated XX/XX/XXXX ). This proves our request was made, received and supposedly acted upon by XXXX XXXX. On XX/XX/XXXX fraud actors accessed the XXXX and initiated a wire transfer out of account ( see wire payment confirmation ) for {$49000.00}. This transaction should never have worked as we had requested and received prior verification of our reasonable request to close and lock user access on the banks end to prevent this from happening. the bank was negligent in its handling and therefor at fault. After months of requests for records, to which the bank is refusing to provide, we received an email chain from the XXXX once again surrounding the closure of our XXXX portal. The email chain improperly sates that it had not received any such prior request, however the email we have dated XX/XX/XXXX clearly is proof to the contrary ( see email chain dated XX/XX/XXXX ). The banks improper handling of the account holder 's requests given the nature and concerns surrounding the inability to secure the user access, the prior instruction to close it and lock out access and the banks failure to ensure such action was taken despite its acknowledgments all clearly demonstrate a bank error that led to the financial harm of its customer. We request an immediate refund of the fraud dollars not recovered.
Product: Debt collection

On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them copies of receipts collections paid off. I disputed information 2 times and after investigation they said information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.
Product: Credit card or prepaid card

to whom it may concern I was mislead by this credit card by PayPal I received an offer for this credit card with terms saying I have the right to access my transactions making payment redeem my points online anytime I want and I will receive an online statement every month meanwhile ever-since I got this credit card I was blocked from access my account information they send me an email saying I should press the option in the email to be able to see my statement but when I do it tell me login Not permitted and this the same message it tell me every time I try to login to my account to using my XXXX or my lopped or even my desktop .this happening for more than 6 month I am not able to see my statement my transactions or redeem my points that I earn using my own money. I believe the reason behind all that so I can say when they overcharging me from interest and fess giving the fact they blocking from even making payments online which this violates the terms I was giving by them and this make me using the phone system to making payments which it takes me up to 34 minutes to make the payment. Attached screenshot of my attempt to access my account
Product: Credit card

Citibank notified me in XXXX that they would no longer renew my Citibank XXXX XXXX card that would expire in XX/XX/XXXX. Called to see if they would reconsider and they told me they would request to reopen the account. Called today XX/XX/XXXX to see the status of the situation and they said they would not reopen the account. I requested a refund of the annual fee of {$450.00} that was paid in XXXX to cover the annual fee through XX/XX/XXXX and they said they would not issue a refund. The account was in good standing and they chose to close it and refuse to refund a fee that was paid. I paid for a service and benefits that I will not have because they chose not to renew my account. This is not right. Ive been a Citi gold and then priority client for almost 20 years and thats how they chose to treat me.