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

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX ( Finance ) - XX/XX/2021 XXXX XXXX XXXX ( Finance ) XXXX XX/XX/2021 XXXX XXXX XXXX ( Auto XXXX XXXX XX/XX/2021 -XXXX XXXX- XX/XX/2021 -XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX ( Finance ) - XX/XX/2021 XXXX
Product: Checking or savings account

I have two checking accounts with bank of america, I submit a claim from both accounts based on unrecognized charge. At beginning tell me that they going to help me to fixed and given credits to my account and after 2 or 3 months they take the many away again that put my accounts on overdraft I call several times to the bank and the only answer that I get is to put money in my account to put my account on track and no solution to the problem. They close both of my accounts and now don't give me access to see what happend and when I call to customer service nobody can give an answer.
Product: Debt collection

I have been receiving calls from a local number, XXXX and it is an automated number stating that this message is for me and that this is XXXX XXXX and she is a processor and that she tried to serve me sealed documents at my home yesterday. She stated in the voicemail that this her 3rd time trying to do so. She states that she will be checking my other known locations trying to find me. She states that if I do not accept these she will have to inform the filing party and to contact her at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THIS COMPLAINT YOU WILL FIND A DISPUTE I MAIL TO EXPERIAN DATED XX/XX/2023. ON XX/XX/XXXX EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. SO I AM FILING THIS COMPLAINT AND SENDING MY DISPUTE THRU MY CFPB ACCOUNT THATS BEEN VERIFIED AS BELONGING TO ME XXXX XXXX. THIS WILL LEAVE NO QUESTION OF ORIGINATION OR AUTHENTICITY. 

HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICOUS REQUEST IN THE MAIL REGRDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUERS. 

IN A EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU THIS IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUUMENT WAS ATTACHED TO MY DISPUTE. THEN EXPERIAN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. 

LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE IN-ACCURATE AND INCOMPLETE BUT EXPEIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGNAL 30 CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Franklin Collection Services is reporting my delinquent XXXX account on my son 's credit report. My son is trying to refinance his mortgage and this is hurting his credit. We both have the same first and last name, but different middle names, addresses and obviously social security numbers. My son has never had a XXXX account. 

My son disputed this to the XXXX, XXXX and XXXX  on XX/XX/2020. They are all saying their information is accurate. 

My wife wrote to XXXX on XX/XX/XXXX. We have had no response from them and the account continues to appear.
Product: Credit reporting or other personal consumer reports

I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference
Product: Debt collection

My account was being paid in installments BEFORE it is negatively reported to the CRA 's. In the payment process, it was agreed that the payments be XXXX equal payments, the last being processed XX/XX/2017. I and my family have received repeated calls about the count between the payment processings and the most recent was to my mother with the representative stating that I gave THEM authorization to call her on my behalf and to ask for my contact information. This is incorrect and a flat out lie. She had no idea who they were and refused to give them my information. When I called and told them it was improper to do that, I was told they did not call her but have screenshots of her cell phone with their number listed.
Product: Credit reporting

Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.
Product: Checking or savings account

Paypal is making promo offers, then not honoring the terms of those offers. 

XXXX ) Paypal offered {$15.00} off a XXXX purchase of {$25.00} or more. I, as well as many other people, were shown a {$15.00} discount prior to purchase, then were charged the full price by Paypal. Paypal is refusing to honor the {$15.00} discount they promised. 

XXXX ) Paypal offererd a {$25.00} bonus in cryptocurrency when purchasing {$100.00} in cryptocurrency through their site. After purchasing {$100.00}, they have refused to honor the {$25.00} bonus that was promised. 

In summary, Paypal has made promises for offers -- published on their website -- that they now are choosing not to honor. This thread, https : XXXX, contains multiple people who encountered similar situations, and who have been rejected by Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute XX/XX/2020 and still havent recieved a response. i currently working on my credit and need these items investigated and deleted
Product: Checking or savings account

Wells Fargo has denied my claim of unauthorized charges to my account. There are XXXX {$300.00} charges I did not authorize on XXXX. When I saw these charges appear pending on my account I immediately contacted Wells Fargo to investigate and to chargeback these XXXX charges to my account. I made Wells Fargo aware that these XXXX charges were unauthorized the preceded to cancel my debit card I made the aware that my debit card was compromised. Wells Fargo gave me a provisional credit in XXXX. I have been a loyal Wells Fargo customer for over XXXX and have never encountered this problem. On XX/XX/year> Wells Fargo reversed my credit. Wells Fargo needs to chargeback XXXX charges of {$300.00} for a total of {$600.00} that I never authorized on my account. Wells Fargo now has taken these charges out of my account on XX/XX/year> without my authorization.
Product: Vehicle loan or lease

I got online to check my credit score, and it was reported that my auto loan balance went up. I logged onto my bank account that handles my auto loan and didn't notice any increase, but while checking I noticed that my loan fees were more than doubled what they were last year. I printed out what I am being charged as far as a daily finance charge ( {$2.00} ) and it was what my charges were typically last year when I looked at my monthly statements, but so far this year I have been charged {$170.00} & {$180.00} for XXXX and XXXX. I am ahead so another payment wasn't needed until XXXX. All last year the charges were around {$87.00}
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX  I HAD TRANSFERRED XXXX INTO MY OWN PAYPAL ACCOUNT OUT OF MY XXXX ACCOUNT AT XXXX XXXX AFTER PAYPAL RECEIVED MY MONEY THAT I HAD PUT ON MY ACCOUNT THEY PUT A LIMITATION ON MY ACCOUNT THE TIME WAS XXXX XXXX  BECAUSE THEY SAID IT WAS A BIG INCREASE IN VOLUME BUT ONCED AGAIN THIS WASNT NO SALE THIS WAS MY PERSONAL MONEY, XXXX XXXX  I had received another email from PayPal stating the limitations was permanent and they are holding my money that I HAD PUT IN MY PAYPAL ACCOUNT for 180 days I tried to appeal it but they denied it. 
I don't see how this is fair by far how are they aloud to assume something and hold my money from me when I told them the truth I had my momey transferred into PayPal and I want my money I need my money it's XXXX for the love of XXXX I have a daughter.
Product: Vehicle loan or lease

After purchasing a vehicle from XXXX XXXX XXXX years ago, my loan amount remained the same from the day I drove off the lot. It took {$3000.00} to drive off the lot. The total amount to be financed was {$9500.00}. When I contacted my financial institution, XXXX XXXX XXXX out of XXXX XXXX, I was told I am paying a {$6.00} interest rate daily until my auto loan is paid in full. An interest rate was already factored into the agreement and the paperwork I have on hand does not state that to be true. I requested a copy of the contract between myself and XXXX XXXX XXXX and their response was I am not on their contact list. I proceeded by asking " What such thing? If I have an open account why do I need to be on a contact list. '' Nevertheless, I proceeded and asked how do I get back on the contact list and I was told to write a letter and send it by email. So I did and I immediately started receiving spam calls, messages, and emails. I was told I couldn't make online payments and I had to call XXXX XXXX XXXX to make payments or send via XXXX XXXX. I have paid over {$7000.00} on this car just for it to still be at the same amount of {$12000.00} 2.5 years later. I still have not received a copy of the contract that I requested and it has been over 30 days. Another complaint is that they are charging me an ACH return fee of {$30.00} a month for 2.5 years and I've never had this account linked to a bank account for automatic drafts. When I brought this to the rep 's attention, she said I do not have an auto-pay setup. ONLY XXXX OF THE {$300.00} A MONTH IS GOING TOWARDS THE PRINCIPAL!!!!!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX  Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXX ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Payday loan, title loan, or personal loan

Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}
Product: Debt collection

On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX XXXX representative name is XXXX XXXX on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to Alliant Capital Management. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called Alliant Capital Management and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX  balance {$380.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, at XXXX XXXX XXXXXXXX, I made a transaction for a money transfer to my XXXX  in XXXX XXXX ( XXXX XXXX ). The transaction time in XXXX XXXX was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was expecting my son to pick up the money the next day. However, my XXXX XXXX XXXX  and I could not make it. It is only on XX/XX/2022, that my son went to a MoneyGram agency located in the XXXX XXXX neighborhood. 
The agent told him that the ID he had was not valid. He came the next day on XX/XX/2022, with his passport this time. But the process was again denied. My son was told that the passport was about to expire in XXXX months, and the passport was not used to travel elsewhere. Therefore, the transaction was not pursued. Consequently, my son called me to change the receiver 's name and put his brother 's name. 
I went to MoneyGram 's XXXX to change the name. I was surprised to read that the transaction was successfully made. I was worried because I did not receive a text message informing me of the completion of the transfer. 

I called MoneyGram to check the status of the transaction. MoneyGram confirmed that the transfer was made on XX/XX/XXXX, XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the company, the company agent filed a complaint on my behalf without telling me that it will take time. After several calls. I decided to XXXX  your assistance to get my money back. 
The complaint case number provided by the company is XXXX The transfer amount is {$500.00} USD plus a transfer fee of {$9.00} USD The reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

I am writing to formally dispute several unauthorized accounts and inquiries that have recently appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX THE XXXX  XXXX XXXX  XXXX Balance {$270.00} Date opened XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than XXXX years. 

15 USC 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.