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

The company is Care Credit, located in Ohio. My husband has an account with Care Credit. I was an authorized user. He has had a XXXX balance for a long time, but since I am an authorized user, his credit limit with them which is {$5500.00} is listed on my credit report as part of my credit usage. This has resulted in my credit utilization being high, which results in XXXX lowering my credit score. I called to ask Care Credit to close my account and to remove their listing on my Credit Report. They said they would close it and write a letter to XXXX, to remove it from my credit report. That was months ago. Sorry I dont have the exact time that I called in, but my account is closed as I spoke to another representative this morning who confirmed it. I asked the representative to please have the listing removed from my Credit Report and was told she couldnt do anything about it. I tried calling XXXX and it's next to impossible to get through to a live agent. I would appreciate it if this account, listed as SYNCB/CARE CREDIT on my XXXX Credit Report is removed. My phone number has changed. My phone number listed is incorrect my new number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/XXXX, I spoke with XXXX XXXX of OneMain Financial about refinancing my existing loan account with his office. As someone with an impeccable payment history as a OneMain customer since XX/XX/XXXX, I had no reason to believe a " hard '' inquiry would be done into my XXXX  and XXXX  credit files nor did he make it clear to me that he was going to do so. In a recent review of my various credit reports, I noted that against my wishes and knowledge, on XX/XX/XXXX OneMain Financial did in fact make " hard '' inquiries into both of my files on XX/XX/XXXX. Earlier this week, I spoke with XXXX XXXX, my local OneMain Financial Branch Manager about this and he acknowledged the " misunderstanding '' and agreed to get the inquiries removed, once I faxed a formal request for this to his corporate offices, something I had already done several days before. When I called the corporate offices today, XX/XX/XXXX, to follow up on my request for deletion of the improper inquiries, I spoke with an extremely arrogant, condescending, bureaucrat of a woman who spoke very quickly and failed to provide her name to me clearly. While acknowledging that there had been numerous issues with OneMain branch offices giving out misleading information about " hard '' vs " soft '' inquiries to exsting OneMain customers, she stated that unless the inquiries were done fraudulently, OneMain was unwilling to delete them as a matter of corporate policy. Frankly, I know this is NOT the case as when I originally applied for my loan with OneMain Financial in XXXX of XXXX, numerous inquiries were made into my same credit files over two days and when I complained about this, the multiple inquiries were in fact deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX 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

CASE XXXX. 

I was charged {$1200.00} for an unauthorized transaction ( Money Sent of XXXX EUROS ) in my account on XX/XX/XXXX. Same day, I reported the problem to PayPal and they came back quickly denying the case under the statement that : " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection '', and closed the case with no more explanations.

I contacted them requesting to re-open the case and they denied it, based on that the operation was consistent with my payment history.

There's is nothing consistent about this transaction : 1- The amount, I mostly used PayPal in transactions under {$100.00}, this operation was over {$1200.00}. 
2- I normally use PayPal to pay merchants or for XXXX operations, this was a SENT MONEY transaction. 
3- This operation was in Euros, I only did US $ operations 4- I  never did any kind of operation with the recipient of this transaction Also, after this operation, there was a try to charge me another {$890.00} but my bank denied the operation, that should turn on a red flag. 

PayPal has no reason to think this is a normal/standard operation in my account ; actually, the should've detected the fraud, denied the operation and contact me. 

Due the Coronavirus situation, it's almost impossible to contact PayPal customer service by phone, and there's only one way to do it, using their Message Center, which I contacted in several occasions, always getting the same result, nothing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 redres
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Bank account or service

I tried to close my checking acct with Santander in XXXX 2015. Unfortunately there was an ACH transaction that went thru a few weeks later from an acct I did n't realize was still active. Santander paid the request & charged a {$35.00} fee. I called the main XXXX # & was told that there was nothing they could do about the fact that even though the acct was " closed '' an item was presented so the fee was valid. I deposited the money for the transaction into that acct & spoke with the bank mgr about the fee which she agreed to waive. I asked why they could n't just fully close the acct & make sure no payments are made against it & was told, " that was not possible '' but to " watch '' the acct & usually after a few months of no activity the acct will " convert '' to a closed acct. Well it 's now 10 months later & unfortunately XXXX checks inadvertently written from an old checkbook that had those accounts checks still in it were presented for payment, Santander paid them & charged {$70.00} in fees. I deposited money to cover the checks & asked the manager to waive the fee. She said " they did n't do anything wrong & the fee is valid ''. While I realize the checks were written & presented I ca n't fathom why after all this time & a request to close the acct they are still paying items presented to them & thereby able to charge me a fee. If the acct had been closed as I requested multiple times & then Santander denied payment, especially after 10 months, I would understand. I would be responsible to the parties to make good on the checks & any returned check fee they were charged. That makes sense. But instead they wo n't close the acct & will continue to pay items presented. I have no way of knowing if this acct will actually ever be closed. It is 2015, I do n't understand why they can not put a check flag in some data field & close this acct. I resent having to pay them a fee because they ca n't make this simple thing happen. Do I have any recourse or am I resigned to paying the fees forever?
Product: Debt collection

I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XXXX XXXX, XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.
Product: Debt collection

inaccurate infromation never had XXXX XXXX account cra violation no knowledge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX  why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA SVG BK has reported wrong infomation on my report. The credit card was opned XX/XX/XXXX and never late a new card was issued due to the loss of the original card. XX/XX/XXXX USAA rported a late paymnet and I called once new card was recived asked why the card was reported late. The mnager advused it would be taken off my report and it still shows 30-59 dys late. We are a military family and USAA assured this issue would be fixed.
Product: Credit reporting or other personal consumer reports

AARGON COLLECTION AGENCY Placed on my credit report a debit for {$980.00}, this dropped my score over XXXX. 
Then placed on my account another debit over {$2500.00} and this hurt my score over a XXXX. I disputed two accounts and one was deleted from my credit report for a reason! 

XXXX ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts. 

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3. 
I asked again for all 3 account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account. 

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, XXXX CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( XXXX ) that I have to go back to Wells Fargo Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with XXXX and they sent me right back to Wells Fargo Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report that I have reported to XXXX. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account is not mine : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} Please remove it from my credit report. 

The following account was never late : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$520.00} Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint yielded unsatisfactory results. While I appreciate the prompt response from the company, there are discrepancies in their information. Ditech states that the debt should remain on my credit report until XX/XX/XXXX ; however, when disputed through XXXX  the company updated the date to XX/XX/XXXX, and now it is XX/XX/XXXX again. Also, in correspondence dated XX/XX/XXXX from Ditech, it states that they can not legally pursue the debt because it is past the statue of limitations, which is correct and therefore it should be removed from the credit report. Also, I have not made any payments in cash or to Ditech and would like an original ledger from XXXX with deposits or copies of checks for payments that they are stating have been made from XX/XX/XXXX-XX/XX/XXXX( I will contact my financial institution as well ). Lastly, the transaction record provided doesnt match the credit report ( it was uploaded with the original complaint ) and the delinquency record provided on the credit report. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XX/XX/XXXXXX/XX/XXXXE - XXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XX/XX/XXXX- XXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XX/XX/XXXX - XXXX - The XXXX data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XX/XX/XXXXXXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XX/XX/XXXXXXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XX/XX/XXXXXXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we are required to eliminate any erroneous accounts from my credit report. Could you please examine the documents? Some of the accounts listed have inaccurate reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my credit report or personal information