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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am hereby asking you to reopen my case and investigate it thoroughly, because the bank closed the case without resolving an important part that has to do with an improper transfer of funds. 
The bank allegedly mistakenly transferred money from my account to an account in my ex-wife 's name. They closed the case and don't want to investigate that aspect of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 someone fraudulently acquired funds from my cashapp account which was linked to my bank. The funds were then transferred using bitcoin. Cashapp claims they are unable to reverse transactions involving bitcoin and refuses to refund me my money. My bank first convenience claims that they cant refund me because it was withdrawn through cashapp. My hands are tied and Ive lost {$890.00} that I didnt have.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account XXXX  can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024,
Product: Checking or savings account

Signed up for new bank account. Bank attached debit card to wrong account resulting in the following fees. 

XX/XX/XXXX {$45.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$15.00}
Product: Payday loan, title loan, or personal loan

This was a credit building loan that I paid off on XX/XX/XXXX. I was told by the company that as soon as the payment was posted, I would receive the funds from my credit reserve account with in 5 business days. They later changed this to 14 business days once my 5 business days were met. I reached out jut too see what the hold up was and was told it is just pending and it should be good the next business day. A week went by and was told it was a glitch in the system and they will adjust it. I should receive it in 3-5 business days. Then almost 3 week later, on XX/XX/XXXX twice in one day, I reached out again. The first time I was told because my membership with them expired on XX/XX/XXXX and I will have to wait up to another 14 business days. He did not even give me time to respond before he disconnected the chat. So I called them. The woman on the phone told me it was something with another company and I would have to take a 1-5 business day wait to receive my funds that were in my credit reserve. This is unacceptable. I have not received any information that is consistent. I understand COVID is going on. I work for a bank also so I understand delays with working from home and such, but this is not right to not give me any constant information. It is making me worried that I will never get the money in my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF HUMAN TRAFFICKING AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Money transfer, virtual currency, or money service

I received harassing calls from XXXX XXXX asking me to contact PayPal for charging amounts using my telephone #. I did opened an account with PayPal and closed it but the business account was opened which I never used or complete. Somehow my information was compromised and given consent by someone to use my account. I did reached out to XXXX XXXX about PayPal and was told PayPal cancelled my claim. I contacted PayPal and was given the runaround as of XX/XX/XXXX. I reopened an account with PayPal hoping I could find out who is using my account. I did download some activities and saw a recent activity by XXXX. I have no ideal about this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XXXX and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them
Product: Credit card

I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.
Product: Credit card or prepaid card

Denied credit and company unable to provide what the approval requirements are so if they dont know how can they deny my extension of credit if they dont know criteria
Product: Credit card

My American Express credit cards were charged over {$80.00} by a company called nyc pedicabs Those are unauthorized charges because company was suppose to deliver the products first than do the charges yet nyc pedicabs charged my cards in advance without authorization and never delivered the products ( XXXX XXXX XXXX XXXX ) However company owner disappeared and left the country. 

I ended up being liable for charges even made some payment to American Express meaning that while I lost my credibility and cash money as well since I had to make payments for this credit accounts. 

My company XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint towards Experian, they keep getting my information wrong and it is impossible to get a hold of someone by phone. Today I spent approximately 2 hours trying to get a human to answer my call but after trying various numbers that only lead to a dead end, I gave up. 

It is so frustrating because I have had so many issues applying for loans and other financial needs because of them. Companies keep telling me to update my consumer statement and there is nothing in regards to that online. 

Calling them has been such a waste of time every time because everything is an automated loop of the same thing over and over.
Product: Money transfer, virtual currency, or money service

I looked up my neighbor on Venmo and showed her the picture and profile and she said " yep it's me '' so I sent her the XXXX she didn't get it so if course it wasn't her profile. I immediately contacted the lady I thought was her and also customer service and nothing! I needed that money for medication and food for my children. I feel like everyone says this but I swear it's true. You can't tell me that they couldn't see the conversation between me and the jerk that kept the cash. It stinks! I'm just XXXX out of luck??? The date this happened was approximately XX/XX/2021 XXXX
Product: Checking or savings account

Over the course of 2 months, I had almost XXXX in all of my accounts- there were several transactions that were not myself. I have reported them to Capital One. 
they have denied the claim 3 times stating that I had money in the account to cover them so it was me. 
I have contacted the merchants and I have no account with them. 

Capital One has made no attempt to contact merchants to verify the information. 
XXXX, XXXX of XXXX XXXX XXXX, XXXX XXXX. 

XXXX serves XXXX. I live in an XXXX  in XXXX XXXX and do not pay utilities. I have sent in my lease with payment history showing Where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since UWM began servicing my loan, every year I received past due tax notices from the city. This year I received one and went through the normal process of submitting the bill. UWM received this and said they would look into it. Over a month later I received another notice from the city stating if I dont pay the balance ( over $ XXXX ) it will goto a tax sale in XXXX. I pay every month and UWM is supposed to handle paying my taxes through escrow. Now they are not handling it even after making a complaint about it. When I call they tell me I need to submit the form online, but that didnt fix the problem. 
Loan servicer is United Wholesale Mortgage.
Product: Checking or savings account

I opened a business checking account with Chase on XX/XX/XXXX and it was closed by chase on XX/XX/XXXX, without any reason as to why ; only told " they could not maintain my account '' They have no problem issuing me a credit card for the business and personal. I am just looking for the reason that caused them to shut down my account ; and whether it is warranted or something I can clarify.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I issued a check from my investment company XXXX XXXX in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my XXXX XXXX investment account. XXXX XXXX stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by Bank of America on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from XXXX and the money was successfully deposited into a bank account through Bank of America on XX/XX/2021. I have the sequence number the bank account number but when I called Bank of America they would not disclose any information to me as to where my money went. I have been in contact with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my account as a result of my personal information being compromise and a police report due to someone using my information to try to obtain credit cards..there are over XXXX hard inquiries on my report that I did not make..I am requesting that they are removed from my file as soon as possible..I am interested in buying a car and need all inquiries removed in order to do so.Thank you.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRY ON MY REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 2 disputes to XXXX and Equifax to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have  a copy of the original document filed from the court house. There is only name and  address, no date of birth and no full social security number(it is retracted on all of their documents). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.
Product: Checking or savings account

Several unauthorized charges. My card was cloned. Several charges with same time stamp at 2 different locations. Capital one will not issue refunds back to my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Credence Resource ManagementXXXX XXXX XXXXXXXX Re : Cease and Desist Communication Regarding Account # XXXX To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to demand that Credence Resource Management immediately cease all communications with me regarding the above-referenced account. 
Under 15 U.S.C. 1692c ( c ), a debt collector is prohibited from contacting a consumer after the consumer disputes the debt, except in specific circumstances, such as notifying the consumer of potential remedies that the creditor may invoke. Please take note that your continued communication regarding this debt is in violation of federal law. 
Furthermore, if you believe you have the right to pursue this debt, I request that you validate the debt in accordance with 15 U.S.C. 1692g ( b ). Until validation is provided, no further action regarding this account is warranted or permissible. 
Please consider this letter a comprehensive cease and desist request. Any further contact, including phone calls, letters, emails, or other forms of communication, will be interpreted as harassment and a violation of the FDCPA. I reserve the right to pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office, should these communications persist. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with XXXX CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )