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

I received offers for Capital One credit card for a 0 % interest rate for balances and transfers in XX/XX/2021. I decided to order the o % credit card online and transfered a balance. When I received my first bill I saw interest charges. I called capital one credit card customer service and spoke to an agent XXXX  and explained what b happened. She was unable to help. I asked for a supervisor and was transferred to agent XXXX ID # XXXX and explained the error. She said I received the credit card with 0 % on purchases only, that the balance transfer has a rate of 18 % interest. I explained that wasn't the offer I wanted. Why would I want to pay 18 % when I have exceptional credit. She told me there was nothing she could do. If I wanted to cancel my card I would need to pay the interest rate for the entire promotion which could be almost be {$2000.00} in interest for a {$9000.00} transfer. My credit rating is above XXXX. I feel like this is a deceptive practice ; by not disclosing this in a clear manner resulted in the mess I find myself in. Ib tried calling the corperate office at XXXX XXXX XXXX and asked for XXXX XXXX, who handles complaints. His mailbox was full. The same is XXXX true for the Financial Officer XXXX XXXX, dl mailbox. She I am a senior citizen and can't afford to pay this. Today, I received another promotional offer for 0 % interest on both purchases and balance transfers. This stress is having an impact on my health.
Product: Credit reporting or other personal consumer reports

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 take 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 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 168XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called XXXX, TRANSUNION, XXXX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( TRANSUNION, XXXX AND XXXX ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to XXXX, TRANSUNION, AND XXXX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by TRANSUNION dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX  dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

My bank account was closed with the online bank call current and it was done on the XXXX of XXXX which is insane as it was before XXXX but I requested my money and still yet to receive it or anything.. I keep getting a message saying 14 days maybe more additional wait time but thats about it I got a bit more info was I told them Ill file a complaint and then they said theyll speed up my request and gave me a bit more info and that has been it ever since..
Product: Credit card or prepaid card

I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed the transactions and gave me credit for this in the next statement.

4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me. 
5. I called the Fraud department and they asked me to appeal against the decision.

6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target.

9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance. 
10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX  and they ignored my request. 

Request you to please help take it up with Target/ TD bank card services. 
Thank you
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX Inquiries : XXXX XXXX XXXX Requested XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reconsideration of XXXX Card Application Denial Dear XXXX XXXX XXXX XXXX Team, I hope this message finds you well. First, I want to express my appreciation for your transparency and professionalism in notifying me of the reasons behind my recent application denial for the XXXX XXXX. Your customer service has truly been a XX/XX/year> experience, and I am grateful for the clear communication. 

I understand that the decision was based on two primary factors : 1. Multiple recent applications for credit, resulting in hard inquiries on my credit file.

2. A recently closed checking and/or savings account by a bank. 

Please allow me to provide some context. Unfortunately, I have been a victim of identity theft, and as a result, numerous unauthorized applications and transactions were made in my name. I have since taken significant steps to rectify this issue by working closely with XXXX XXXX and law enforcement to ensure that all fraudulent activity is wiped from my credit report and records. I expect these issues to be fully resolved soon. 

Given this, I am respectfully requesting a reconsideration of my XXXX XXXX application once the necessary corrections are made to my credit file. I believe that once the fraudulent inquiries and account closures are removed, my profile will reflect my true creditworthiness. My current credit score of XXXX reflects the impact of this unfortunate situation, but I am confident that it will improve once the fraudulent activities are fully addressed. 

I am committed to maintaining financial responsibility and security moving forward, and I am hopeful that, upon resolution, my application will be reassessed for approval. I would also appreciate consideration for a higher credit limit once I am approved, as I plan to use the XXXX XXXX responsibly for both personal and professional purposes. 

Thank you again for your understanding, and I look forward to reapplying once everything is resolved. Your assistance and continued customer service are greatly appreciated. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I was laid off from my employer on XX/XX/2023. I contacted XXXX  regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX  and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity.

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Product: Checking or savings account

State Farm Bank.

So, I deposited a check in State Farm Bank for {$5000.00} on XX/XX/2020. 
Then, they put my account on hold for a while, and around XX/XX/2020. 
On XX/XX/2020 When I tried to use the account, my Debit Card was already blocked. So I could only use the account for 6 days, around XX/XX/2020. They Closed the account. Finally, they Officially closed the account on XX/XX/2020. I have never received any written statement letter. No account balance, withdraws/deposits were ever mentioned. Only 1 check came back for XXXX $ which they are denying to post electronically into my account. I have visited their Agent Office twice for Identification Purposes. THey want me to withdraw the check even though being aware that my License was recently stolen and due to COVID-19. the banks have been working slow. Please respond to me ASAP. Last time I spoke to a customer representative, they clearly said. Do whatever you want, we would not deposit any money. Cash the check only.
Product: Checking or savings account

This is my second complaint against US Bank regarding the same matter. They responded stating that deposits were made and that I didn't submit anything regarding the payments being fraudulent. However, I was give case # XXXX by the fraud department when I spoke with them on XXXX to clarify that the accounts were closed. At that time, my alimony had not been deposited and I was re-assured that it would get kicked back because my accounts were on holds. Yet, days later I found out that my account had been unfrozen to take my alimony payment and immediately following, the accounts were closed. 
As stated before, I started with the customer service department who referred me to the fraud department who referred me to the branch manager who couldnt take the time to speak to me but referred me to the recovery department who didn't have a clue why I was sent to them in the first place. For the last time, I did not write or deposit these fraudulent checks. I was scammed out of the money, but I did not have anything to do with the fraudulent checks.
Product: Debt collection

The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Balance {$9500.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report on XX/XX/XXXX and there is an account from Plaza Services LLCon it in collections that was opened in XXXX but reported on XX/XX/XXXX. I dont know who this company is, I have never received anything from this company or ever had an account with them.
Product: Money transfer, virtual currency, or money service

Robin hood was doing a deposit rewards thing in XXXX where they would reward you a certain dollar amount if you deposited a certain amount of money. Well I was rewarded XXXX $ on XX/XX/2021 and I've been trying to withdraw this rewards after the advertised 30 day wait and they are telling me its 60 days or that I have no rewards. I just want my funds so I can close the account. I don't like being misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some items reporting on my credit report that aren't mine. Please remove them.