23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my loans a few times, and now I am pay two companies for the same loan.
Product: Credit reporting or other personal consumer reports

I have always been enrolled in credit protection on all of my accounts. Sadly when you need it some Credit cards refuse to apply it. I have been enrolled in credit protection since I have owned this card. I have never been late at any fault of my own, when the representative called me about late payments I advised that I was out of work due to an injury. I was told no problem they would note the account, it was my understanding that credit protection was applied. It was not After viewing my credit reportI noticed several lates. I have gone back and forth with multiple customer service agents at XXXX XXXX and they have done nothing. 
I received a later stating we can not remove your Goodwill lates, this is not good will this is a service I paid for and am not receiving.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm this accountunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance Owed : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX is furnishing wrong information on me and when I dispute they wont take it offThis is hurting my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/XXXX I was charged {$360.00} from XXXX, which was unauthorized. I never have used XXXX. I contacted Citibank and they reversed the charge and said they would initiate a fraud investigation. 
XX/XX/XXXX they added the charge back onto my account and never informed me. I did not receive a XXXX statement. 
XX/XX/XXXX I then received a payment past due notice by email although I had never received XXXX of XXXX statements. Apparently they had me set up paperless which I did not request. I havent used this card for many months and so did not realize that statements were missing. 
XX/XX/XXXX I called and spoke to XXXX and she said that the XXXX had no proof of delivery and that someone with a different email ordered it on my card. She said they would remove it back from my account. 
XX/XX/XXXX It was not removed and interest and late fees were charged on XX/XX/XXXX. 
XX/XX/XXXX I called again, spoke to XXXX. He said it was being investigated and should be corrected shortly. 
XX/XX/XXXX I received an email stating that my account is past due 25 days. I know that if the account goes 30 days, it will be reported as a negative on the credit bureaus. I have a XXXX XXXX  and I do not want their incompetence to reduce my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five fraudulent unauthorized inquiries reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$4600.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took all necessary steps to ensure the accuracy of my dispute by including copies of my photo ID, social security card, and a recent bill displaying my current address. Despite sending a dispute letter with all the required documentation, I did not receive any response from Experian regarding the investigation results. Experian 's failure to respond with the results of the investigation into the disputed items on my credit report violates their obligation and my consumer rights under the Fair Credit Reporting Act. Additionally, Experian 's lack of response leaves me without information about the status of my dispute and prevents me from taking appropriate action to address inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a Apple Credit Card back in 2021. I never used the card, couple month ago I found a XXXX $ transaction that I disputed. The credit card company refunded the charge and corrected the balance incompletely. For some reason they left a XXXX $ balance that I have being trying to correct for the last two months, but the credit card company refuses to cooperate. They reported the XXXX $ balance to my credit history as a late payment. By refusing to correct their mistake, the Credit Card Company continues to cause damage to credit history, which as a result creates issues for me the obtain any funding.
Product: Mortgage

WE APPLIED IN XXXX.XXXX LOAN OFFICER AT WELLS FARGO.WE HAD TO STRAITEN OUT SOME JUDGEMENTS TO XXXX XXXX WHICH WE DID AND THAT BROUGT OUR CREDIT SCORE TO GOOD /EXCELLENT.SO SHE BEGAN PROCES ON THE LOAN STATING,XXXX POINT WOULD BE OF IF WE TOOK CREDIT CLASS WHICH NEVER HAPPENED SHE SAID WOULD ONLY NEED XXXX DOLLARS WHICH IN THE END TURNED OUT TO BE XXXX TO CLOSE SO I EXCEPTED IT BECAUSE I HAD NO CHOICE.THE ADDRESS IS XXXX XXXX XXXX XXXX , XXXX XXXX, NEVADA.I DID EVERYTHING THEY ASKED FOR WITHOUT HESITATION, XXXX KEPT REQUESTING DIFFERENT ITEM ONE AT A TIME OVER MONTHS.WE PAID XXXX FOR APPRAISAL,XXXX STRUCTURAL,XXXX WELL INS, PUT IN XXXX XXXX.WE HAVE SEVERAL LETTERS PRE APPROVAL FOR THE LOAN FROM WELLS FARGO, WE WERE TO CLOSE XXXX XXXX BUT NEVER WAS ABLE TO GET A RETURN CALL FROM XXXX FOR 2 WWEKS .FINALLY WENT TO XXXX XXXX HER BOSS AND HE TOOK OVER I SPENT DAY AND HRS TRYING TO GET THIS CLOSE PROVIDING EVERY THING HE WANTED.IT WAS TO CLOSE XXXX XXXX BUT DIDNT WAS TO CLOSE BY XXXX XXXX BUT THEY WHERE DRAGGING IT ON CAUSING ANOTHER FEE TO RELOCK THE RATE IN AFTER HAVING US SIGN ANOTHER CHANGE OF LEASE.OPT.EVERYTHING WAS TO BE IN PLACE TO CLOSE.THEN THEY BRING UP AT THE VARY END THAT I NEED 3 MONTHS RESERXE WHICH SHOUD HAVE COME OUT SOONER PRIOR TO ALL THE EXPENSES THAT I HAVE MADE, THEY WOULD NOT RETURN MY CALL SO HERE I AM.I CAN NEVER RECOUP MY LAST YEAR OF STESS THEY HAVE CAUSED ME, I WOULD LIKE TO BE COMPED FOR ALL MY EXPENSES.THERE IS SO MUCH MORE TO THIS NIGHTMARE PLEASE HELP
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$810.00} EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a XXXX senior woman, XXXX yrs old, and denied an apartment twice, due to Transunion " Recommendation-XXXX  activity. I called them. They said they didn't. But I saw their response to XXXX XXXX  in XXXX that denied me. I know the government is trying to get rid of all seniors and veterans. They are XXXX  us off slowly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I submitted a claim with CashApp to return the funds that they took and my claim was denied on XX/XX/2023. It's unclear why CashApp decided to take my funds and deposit my money in their bank account. I made a reservation with XXXX XXXX on XX/XX/2023 to stay from XX/XX/XXXX, XXXX XXXXXXXX XXXX ( I used my CashApp card to hold the online reservation ) ; for unforeseen circumstances I had to cancel the reservation on XX/XX/2023 ( within the cancelation policy ) and on XX/XX/2023 I noticed that the CashApp card was charged {$200.00} ( XXXX night room and tax ) so I contacted XXXX XXXX ( Cancellation # XXXX ) regarding the charge and they ensured that they did not charge my Cash App card for any fees nor for the room- since I honored their cancellation policy. In addition, they sent me an email validating that they DID NOT place any charges on my Cash App card. ( I have the email if needed ). I contacted CasApp on XX/XX/2023 to submit a claim for the funds that CashApp took and deposit into their own bank account ( CashApp DID NOT deposit the {$200.00} to XXXX XXXX ). It's unclear why CashApp would take my money and keep it. They did not release the funds back to me ( on my card ) since this was a hold ; they did not deposit to XXXX XXXX and the denied my claim to refund my money. WHY? I'm trying to make sense of why they are keeping my money ( for NO REASON ) and enjoying a meal off of MY MONEY. There is NO REASON why they denied my claim and no reason to put MY MONEY into their bank account. I want my funds {$200.00} returned and an investigation into this matter. Something is fishy about this situation. 
CASHAPP info : Dispute denied. From : Cash App XXXX Date : XX/XX/2023 at XXXX AM PDT. Subject : Your dispute has been denied We reviewed your dispute with XXXX XXXX By XXXX for {$200.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
MY CASH APP CARD info : XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally financial calls me all day every day if there is a late payment. Including when I call them to let them know the payment will be late. It is interfering with my work at this point and if I lose my job then no payments will be made. This is harassment. In the attachment you will find today 's calls three times in a period of an hour and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXXXXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX  and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with cfpb months ago to have a scam from a company XXXX XXXX   frauding a charge on my experian credit report. Cfpb removed the remark from my credit. But experian has again added the negative item to my credit score since XX/XX/2018.
Product: Checking or savings account

I walked into chaseBank and the man at the door asked me what business do I wan na do today and I said I would like to withdraw some money he said OK you dont have to fill out the form just walk to the window if you have your debit card. I spoke to the teller and she told me how to put my debit card and then she then asked me how much money I would like to withdraw I said {$10000.00} she looked at me and then she looked at the computer and she was puzzled for a while so then she walked away and got another employee that person looked at their computer awesome and then she said well you have a PPP loan your account might be restricted you have to provide one of these for documentations of your business. You have a {$5000.00} PPP loan. I said yes I got that loan a couple months ago and also I do have documentation and I also have more income in this bank account thats more than {$5000.00} she said well we can with drawl whatever you want but we got a leave {$5000.00} in your account I told her no I will need to speak with corporate or someone Im not gon na withdraw anything because I wan na know whats going on everyone all the bankers kept saying you have to have a EIN number I am a XXXX driver which means I am a sole proprietor I dont have a XXXX XXXX is the XXXX but I am still a business owner under the sole proprietorship no one wanted to hear me so I provided tax summaries for the past three years I provided original tax forms schedule sees and also I showed them my XXXX app which states that verifies that I am the Business owner. I spent three hours in the bank debating with them because I knew the way I looked when I walked in and ask for that amount of money gave her an notion to look into my account further assuming that I had already had the PPP. I also provided them documents where I received the PPP in 2020 also with this same bank no issues with drawing any money ever. The police was called and when they arrived they walked in and asked me whats the problem and I said I believe that Im being discriminated against and the officer told me no I dont think thats what it is. I ended my conversation right there with the police  officer because I felt already he was on their side I also took his name and badge number and made a complaint to his higher commander. I got on the phone and called chase customer service a representative spoke with me and looked over the documents that I scanned into them from the bank he told me that my document should be efficient enough he put me on hold he came back to the phone and said could you go to a CPA and get a letter from the CPA verifying your business. I say OK I will but I have already verified my business and also provided the loan documentations from XXXX XXXX theres no fraud in my PPP loan. I definitely have a bank statement showing that Ive been doing XXXX business with Chase for almost 3 years now hi if you dont know the business I provided them with paperwork showing them that XXXX I cant get a EIN number. Im sorry if theres any errors in this message I am voice texting thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions I have attempted to access and manage my credit freeze with Equifax. They have blocked my ability to do so online and through their automated telephone services. The first time I attempted to contact them in XX/XX/2020, the hold time was unacceptable and I had to hang up. The second time, the hold time was about 45 minutes and they still failed to help me access and manage my credit freeze without calling them and adhering to their telephone wait times. The other 2 bureaus have a much more customer friendly and timely service to allow management of a credit freeze.
Product: Prepaid card

I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX on XX/XX/XXXX The companies in question Experian XXXX XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts Experian had 30 days to remove BELOW XXXX  XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to Experian Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX  XXXX BALANCED {$16000.00} XXXX XXXXXXXX BALANCED {$180.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX BALANCED {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCED {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$7900.00} XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.