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

On XX/XX/XXXX ( XXXX ) I received notifications from XXXX of my banks that information on my credit report had changed. It appears that someone applied for XXXX or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX XXXX shows a hard inquiry on XXXX from BK OF AMER I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To Bank of America- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call XXXX and dispute the inquiry To XXXX- I successfully filed a dispute of the hard inquiry from BK OF AMER and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this complaint.
Product: Checking or savings account

My wife and I just had a child, and had money put up for a motel. The motel voided out the first transaction for {$700.00} due to a paper jam. I watched him do it, and their bank verified it as well. ( It's a small town, so we went to the bank with the owner. ) Neither the bank nor the motel has a hold on our money. Cash app won't release it until XX/XX/XXXX because they are lying and saying that the motel has a temporary hold on the money. How, when it was a voided transaction? They voided it, which releases any and all holds, etc. They voided it, and cash app won't do anything to resolve this. My wife is allergic to XXXX XXXX, and we are on the street due to this. She's still healing. If she gets an infection she's XXXX. Cash app will not even attempt to help us resolve this. They said wait until XX/XX/XXXX. We don't have that kind of time. This is NOT the first time cash app has refused me access to my money, and they have even removed money from my account without permission from me. Then they gave me two different stories about what happened to it. I have current ongoing problems with cash app concerning my updated purchase amounts as well. Matter of fact, is there a way I can press criminal charges on cash app for negligence and theft? That will solve the whole problem. It's exactly what it amounts to, is they keep my money when there is no authorized use or reason for them to do so. This was a voided transaction, and we're on the street because cash app is blaming a bank that says it's cash app. And cash app does this to me all of the time. I want to press criminal charges.
Product: Credit reporting

national credit collection agent has been reporting negative information to Equifax. Stating incorrect balance. I submitted a copy of my last balance of {$5700.00} with the creditor dated XX/XX/2009. national credit has reported my balance over XXXX, XX/XX/XXXX, today the balance reflecting in my report is over 8k.equifax has fell to removed the incorrect information from my report, national credit has imposed additional cost and never disclosed additional cost related to account, I feel they taking advantage of the system knowing the importance of rental properties checking credit for approval.to be consider for rental. Its been close to 7 years. I feel this practice is unfair and unjust and wish to have removed immediately. Equifax is a XXXX base company .as well as XXXX
Product: Credit reporting or other personal consumer reports

i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.
Product: Credit reporting

As of XXXX XXXX, I became aware that I am a victim of identity theft. I have since filed multiple claims against Transunion, one of which was my disputing a large number of items on my credit report. I have spoken to a XXXX XXXX on now two occasions within the past week. First off, it is almost impossible to even get through to the department that handles my file. What this means is that I always have to go through at least XXXX departments each time, get hung up on or disconnected 3 times and then every so often find my way back to the " Complaint Management '' department FKA " Priority '' department. At this juncture, you leave a voicemail ( assuming it 's not full ) as of about an hour ago. The times I have spoken with XXXX XXXX she has conveyed to me that she unable to give me any updates as to the status of my disputes. However, what she has stated is that she can speak with me over the phone concerning my " contact '' information, hence why I am sending this claim today. In my initial CFPB claim ( XXXX ), I thought I was perfectly clear in how my name, address ( s ), phone number should appear on my credit file. As of this morning, this has yet to be done accurately. I have also supported the necessary documentation to validate such " accurate '' information. Also, I currently have an extended fraud alert with a consumer statement that clearly still shows an inaccurate phone number to which I have never had. I need the following to be updated " accurately '' and " immediately '', Please : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone Number : ( XXXX ) XXXX XXXX ) Extended fraud alert either removed entirely or to include the " accurate '' phone number listed above, ( XXXX ) XXXX. 
3 ) Credit Freeze removed I would also like to request that the results be emailed to me versus taking an additional 7-10 days for a hard copy. If that is possible, my email address is XXXXXXXXXXXX. 

This has been an arduous process to say the least. I would greatly appreciate help concerning these " issues ''. 

Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

My Avant card states that if you can avoid paying interest on your card by paying it off in full by the payment due date. On XX/XX/2021, I paid my statement balance in full and payments are due on the XXXX of the month. When I received my next statement there was interest charge for {$4.00}. I immediately contacted Avant and was told that the interest could not be removed so I ask to speak with a Supervisor. I spoke with XXXX/Supervisor and explained that I am a good customer, I pay more than the minimum due and this time I paid the balance in full before the due date but was still charged an interest fee. XXXX stated that I needed to pay my balance in full 2 months in a row before they would waive any interest fees. I told XXXX that did not make any sense, if I paid my balance two months in a row there would be no interest to waive. And their statement says that if I pay it in full during the grace period which I did, there would be no interest charged. XXXX refused to waive the late fees and I informed that I would be filing a consumer complaint, they are taking advantage of customer with false information. There has not been any purchases on my account for months, just interest charges.
Product: Credit card

Capital One has granted me with XXXX credit cards which they have closed under false allegations and charged me with over XXXX in interest fees on a XXXX credit limit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXX  account off of my report due to Identity Theft.. However I have just received Another letter from Experian and XXXX and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XX/XX/XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXXXXXX Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal
Product: Debt collection

I paid XXXX directly, Sequium Asset Solutions , LLC should not have updated my credit report with a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Checking or savings account

Account was closed for non activity ( even though I had sent faxes and letters to head office to reactivate account on several occasions ( but nothing was done ) over a long period of time ). 
The monies were apparently surrendered to the the state ( unclaimed properties dept ), but they have no records for my account. 
The bank no longer has any information on my file and can not access it. 
The bank was also charging me a XXXX $ XXXX per month charge for a couple of years for an inactive account but never reactivated account even though letters were faxed and sent by mail to reactivate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 purpose.
Product: Checking or savings account

US Bank accepted a {$50000.00} Electronic Fund Transfer without hesitation. Upon attempting to transfer these funds to an external account, I discovered that US Bank arbitrarily places a {$5000.00} per day limit on external transfers. When inquiring with Customer Service, I was advised " there is no way to transfer funds in excess of the limit '', and was advised I could ONLY wire the funds ( in excess of the {$5000.00} daily limit ) for a {$30.00} fee. The customer service representative spoke with identified herself as XXXX. I asked XXXX to ask for an exception, she attempted to transfer me to a supervisor named XXXX. XXXX advised XXXX " was in a meeting '' but would call me back by the end of day. There was no call back. 

This is an arbitrary limit placed of funds to retain the funds, or to secure additional fees
Product: Credit reporting or other personal consumer reports

I noticed on my Trans Union report the XXXX XXXX XXXX account was closed. However on my XXXX Account the collection was removed.
Product: Money transfer, virtual currency, or money service

XXXX years ago i made several transactions through Zelle using the XXXX app and i did not get a verification of who i was sending money to and i could not get my money back. This happened to me on at least XXXX occasions where i was sending between $ XXXX. I tried contacting the company to get my money back in some way and they said that once the transfer was completed there was nothing they could do about it and thats where they left the problem.
Product: Credit card or prepaid card

Dear Consumer Finance Protection Bureau : XXXX XXXX, in store credit card, has overbilled me on my credit card, and the balances are incorrect. For example, the first statement in XXXX XXXX, has purchases of XXXX, and the statement has an incorrect balance of XXXX. Also, please check the XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX statements for incorrect balances on purchases. Furthermore, XXXX XXXX needs to credit me a total of XXXX, to my credit card with XXXX XXXX.
Product: Debt collection

I went on XXXX XXXX to check my credit score and saw I had a collection on my credit report. The collection agency is Radius Global but they are collecting for XXXX. I have never had that phone line. I have only ever had XXXX. I recently had to get a new XXXX debit card because of fraud on my account so I feel it may be related.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a fraudulent collections and fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire saysXX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened dateXX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Product: Credit reporting or other personal consumer reports

am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ). 
Many of these inaccuracies stem from XXXX XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXXXXXX XXXX  ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Credit card

In XX/XX/XXXX, I was mailed a promotional offer to receive XXXX Delta Skymiles for opening an account and spending {$3000.00} over 3 months. I applied for the account, was approved and they sent credit cards. After thee months I completed the requirements for the miles. After not hearing anything for an additional month, I contacted customer service on XX/XX/XXXX. The customer service agent apologize and said he would personally credit the points. He took my cell phone number and said he would call in XXXX to XXXX days to confirm the miles were added. After hearing nothing I called again on XX/XX/XXXX. After a lengthy hold, the agent said that because I had previously had an American Express card, I was not eligible for the promotion ... but because they promised the prior week, she would issue the mileage credit. After another week of not receiving the points, I called today ( XX/XX/XXXX ). The agent I spoke to could find no record of the conversations and said I was not eligible because I had a prior Amex Card. I spoke with a supervisor and they agreed nothing could be done, but issued a XXXX point bonus after I asked to cancel the card. In summary 1. Amex sent me a credit card offer. 2. They approved my application and issued the cards XX/XX/XXXX. 3. I have spent over {$15000.00} on the card 4. Until XXXX/XXXX/XXXX, they never indicated I was not eligible for the miles. If they knew I was not eligible, they never should have issued the card - or at least let me know up front. I have spent a bunch of money on their card with no reward. They should be required to be more honest and upfront with customers. No individual can solve this, but it sure looks like a class action lawsuit waiting to happen.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.
Product: Credit card or prepaid card

Hello, I booked a place with XXXX XXXX  from XXXX XXXX, 2020 with confirmation code of XXXX ( address of the house : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Before heading out to the rented house, I contacted the host to make sure that she had A/C as government just issued an Excessive Heat Warning. XXXX, the host, said that they did not have a/c. I asked if we can come another week, any other time and she said no, citing her cancellation policy. She suggested that I cancel the trip by myself, and if somebody re-books it for the days I made a reservation for, she will reimburse me. I cancelled the reservation per her suggestion. 

Another family booked the place for 3 nights, and when I asked XXXX to reimburse me the full amount booked for 3 nights by another family, she said she is withdrawing her offer and NO REIMBURSEMENT WILL BE MADE. 

It is unethical to be charging 2 families for the same time period and making money off of both families while host 's house does NOT meet physical needs of the guests during a EXCESSIVE HEAT WAVE WARNING. 

If I pay XXXX $ dollars - I expect livable, comfortable accommodations, not a heat XXXX with no a/c for 7 days, and I was deeply disappointed that XXXX XXXX sided with this unethical host. 
Please, review this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

They saying that I Owe them more than my credit limit was and all my late payment is inaccurate I always payed on time only reason I couldnt pay this collection because Pandemic hit and I lost my job and became XXXX