23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have money on hold through zelle and on " XXXX  '' ( XXXX card reader ). these companies keep telling me its my bank holding my money. I've called numerous times and have trouble shot the problem with representatives with XXXX as well as the other two parties with no results.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXXXXXX, Equifax began reporting reporting my XXXX XXXX  account, an account paid in full in XXXX, as 60 days delinquent in XX/XX/XXXX and 90 days delinquent in XX/XX/XXXX. THE ACCOUNT WAS PAID IN FULL IN XXXX. I have filed multiple requests to correct the issue and have been denied credit as a result of this error. I have disputed, I have spent more than six hours on hold. I have escalated to equifax and shellpoint and have been abused by both who repeatredly promise corrective action and do absolutely nothing.. Today I was told by an Equfax supervisor, there is absolutely nothing that can be done ... ......
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 XXXX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for Early Warning Services for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX. I received a text message and email stating I changed my number on my Chime account which i didn't. I reached out to Chime when i woke up about the situation and they started the disputes that following morning around XXXX XXXX. Around XXXX that day Chime sent an email saying no error occurred and they denied my case. Following the next day on the XXXX around XXXX XXXX  they sent me another email denying my other dispute saying the same thing when i sent them proof of the number being changed which was a NC number and an email stating a new login occurred which wasn't me. The hacker took {$4000.00} from my savings account and transferred it to my checking which already had {$100.00}. So totaling in {$4100.00}. Then the person transferred {$100.00} from my credit builder card to my checking and sent all my funds to a " XXXX XXXX ''. Totaling {$4200.00} the hacker took my money and Chime did nothing about it.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct According to 15 USC 1681b for inquiries the following items must be blocked and removed because this information is a detriment to my credit report, not for a permissible purpose, nor was consent given. The following inquiries were not permitted or requested on my behalf. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are incorrect and need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

i receive my consumer report and the law said 15 U.S. Code 1681b - Permissible purposes of consumer reports i dot not authorize this inquiry in my credit report XXXX XXXX  in XX/XX/2023 and this in violation of the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX US dollars frozen on my Pay Pal account. They refuse to release those founds to me sinceXX/XX/2018 They claim that this money belongs to me, but they will not transfer that money to my bank account. 

Account is linked to email address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} XXXX does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. XXXX does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX XXXX 3 times- XXXX does not have any of these listed on my report- VIOLATIONS ( 4 violations ) XXXX has XXXX XXXX listed under inquiries- XXXX does not have this listed on the report- VIOLATION. 
EXPERIAN also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. XXXX DOES NOT have this listed on any report belonging to me and neither does EXPERIAN. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, XXXX AND EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, sign the application with consumer wet ink signature. consumer is Not asking for an e-oscar report. TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION XXXX XXXX XXXX  XXXX, TRANSUNION CORPORATION . I will be filing form XXXX XXXXXXXX XXXX form to audit consumers accounts. TRANSUNION is securitizing consumers data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

Equifax has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Hard Inquiries from Capital one and XXXX applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified Capital one to let them know and XXXX that these applications were not me. I will also be filling a police report which has not happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX XXXXopened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Product: Credit card or prepaid card

In XXXX, XXXX, British airlines canceled my flight to XXXX. They refunded the costs on XX/XX/XXXX of {$430.00} and {$630.00} for a total of {$1000.00} back to my Chase Bank credit card. Back in XXXX, XXXX, I had canceled my Chase credit card, which has since been purged by their bank. On XX/XX/XXXX Chase Bank sent me a letter, after talking to them on the phone, that they sent the funds back to British Airways. I called British Airways and they said they refuse the money and sent it back to Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I contacted XXXX in house recovery and they said in a recorded phone conversation they have no way of showing how this alleged account was paid only that it states paid I requested that they give me a copy of the document from the bank to show evidence they stated they have none and put me in contact with fraud department who also could not show any type of proof it was paid or how { no documentationof fact }, they stated in the recorded phone that they do not keep any records of transactions just report paid that is not validation { hearsay } remove this fraudulent account or you Experian show the show the transaction to and from back that they clearly can not show, again this is reaging of a alleged contract I even when as far as to talk to a supervisor who had no documentation of fact just that it stated paid. by them recording I can use it in a court of law if needed to. but you are reporting false information that can not be validated with documentation I NEVER PAID ANYTHING TO XXXX AND THIS IS OVER & 7 1/2 years old its time to put up the documents i requested from bank transaction showing payment and name or remove this account you are validating with no evidence FCRA,
Product: Credit card or prepaid card

on Three separate occasions my driver 's license and XXXX card were used to rent a car from XXXX XXXX XXXX in XXXX NY. On each of the first two occasions my credit card was canceled and replaced. This third time a fraudulent card in my name was used.
Product: Vehicle loan or lease

I have an auto lease with GM Financial that I opened last year. I have always had problems with them billing me the correct amount each month. Now, I have noticed that they have not been updating this account on my credit report correctly since last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Checking or savings account

Tried to transfer money to XXXX XXXX in the transaction amount of {$3500.00}, the transaction got declined from the side of XXXX XXXX, and the money was never received by XXXX XXXX, but the money got deducted from Capital one Bank account. 

I also added money to my XXXX XXXX using two of my other bank accounts, And the transactions went smoothly.

I called the customer service and it is of no help.

This is a big mental harassment, I needed to transfer the money to someone today and now the money is gone, and I do not know where. 

Capital one seriously needs to start an online chat section and customer support online section where we can write our complaints online and chat with customer service online, because the customer service XXXX  right now
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
Product: Debt collection

In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
Product: Credit reporting or other personal consumer reports

I am filing this dispute to address the non-compliance of XXXX with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying TransUnion via a phone call on XX/XX/XXXX of the recent CFPB rule, their customer service agent refused to remove the medical debt item from my credit report. which is not compliant with the current rule nor sufficient to resolve the issue. Requested supervisor was advised on will contact me in XXXX business days. 
The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : Last four digits for privacy : XXXX Amount Owed : {$2200.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item
Product: Bank account or service

I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I called Affirm regarding my account being past due and to see what options they had available since I am dealing with a financial hardship. I spoke with XXXX he was not trying to help so I ask to speak with a supervisor, XXXX took over the call. XXXX stated, she could not modify my payment date and she would send me a link to get approve for a loan modification. XXXX stated, if the loan modification is not approved then I would have to make partial payments and the account will be charged off on XX/XX/XXXX if I dont make a payment for {$53.00} to prevent the charge off. My loan modification was denied. As I expressed earlier I am going through financial hardship I tried to be proactive and call to try and make some type of arrangements, but Affirm is not trying to work with me. Affirm had no intentions on approving the loan modification its deceptive business practices. On XX/XX/XXXX, I sent Affirm an email regarding having financial difficulties. The only response I received from Affirm is that they received my email and I should here back from them within 24 hours and they assigned case number XXXX.