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

Around XX/XX/XXXX, I had computer problems, so I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ext XXXX ) XXXX and XXXX was helping me. I gave him remote access to my computer and paid via Amex. I saw him working on my screen. I do not know if this repair was related to the XX/XX/XXXX fraud or not. XXXX continued calling me after the scam, but I did not reply and blocked his number. 
On XX/XX/XXXX I had an email from XXXX saying that I was hacked and told to call XXXX. The man who picked up identified himself as XXXX XXXX at XXXX headquarters in XXXX, Washington. He accessed my computer to help fix the malware. He gave his XXXX extension : XXXX ext XXXX. 
He was controlling my computer, and I could see code/spreadsheets and on the bottom words American Express, my name, my wifes name, and our account numbers. He said that our AMEX accounts were hacked and that he must connect me with an AMEX Fraud Department. 
XXXX from AMEX introduced himself, and my phone displayed the same number as on my Amex XXXX. He said that there is a fraud charge of XXXX ( XXXX on mine and XXXX on my wifes ) on our account ( later, we checked, and this was not true ). I was then asked to help work with Amex on the investigation to catch hackers, and I agreed trusting that Amex was secure. 
He asked that I do not reply when family calls me and that my wife does not use phones at home as anyone who speaks with me will be jeopardized. I was asked to go to XXXX at XXXX XXXX XXXX in XXXX and instructed to use the Amex card to buy XXXX worth of gift cards to help catch the hacker. 
When I asked for a XXXX gift card at XXXX on XXXX XXXX, I was told that only a XXXX single card could be dispersed, so I bought it. 
The AMEX representative XXXX then told me to travel to XXXX XXXX XXXX, where I could buy two XXXX cards from two different salespeople. 
He sent me to XXXX store on XXXX XXXX, where I was able to buy 4 x XXXX cards without any questions from XXXX salesperson, and another one for XXXX to cover fraudulent charges on my wifes card. 
He asked me to give him ID/access to those cards. I complied. 
While this was happening, my wife received an email asking if we approve these purchases. She clicked NO, marking it as fraud, yet she still received a confirmation email of purchases. She was distraught unable to reach me for hours. She called XXXX, thinking that I was in danger of being forced to make withdrawals. 
When I came home, I met with the police and saw that gift cards were emptied. I realized that I was scammed. Phone calls kept coming. I was no longer picking up as per police instructions. Often it was my own number that was calling me. My daughter blocked all those numbers hackers were using, plus robocalls, and calls that have no caller ID from coming in.
Product: Checking or savings account

On XX/XX/2020 I opened a new business account under the name : XXXX XXXX XXXX XXXX XXXX An XXXX Corporation I created. On XX/XX/2020 at XXXX I deposited a check made payable to XXXX XXXX XXXX XXXX for {$13000.00}. Check Number XXXX. On XX/XX/2020 I was issued a letter from Chase saying my account has been blocked and my funds have been frozen ever since. Please be aware the check for {$13000.00} were cashed and funds were available by XX/XX/2020 yet they have not been released to me or made accessible to me. I have contacted my personal banker, XXXX XXXX, Branch Manager XXXX XXXX, and the compliance office. The compliance office stated that because the address on the check made payable to XXXX XXXX XXXX does not match the address on file, of XXXX XXXX XXXX CA XXXX and instead has my address of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. They can not release funds to me. I explained to them that the XXXX XXXX XXXX address is my work address and I even gave them a copy of my XXXX  XXXX employment contract showing that XXXX XXXX XXXX XXXX is my work address. It's been over 12 days since this happened and I have no choice but to file a complaint and escalate this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old tuition bill at XXXX XXXX University that I have been disputing for more than 6 years now. About 2 years ago, XXXX XXXX starting using a company called XXXX XXXX to report this to the major credit bureaus as an account with a payment schedule. To date, they have reported 16 missed payments on my credit report. I have never had a payment schedule on this account! 

They are also reporting that payments have been made on this account as recent as XXXX. Both of these actions seem to be an attempt to try to keep the debt alive while simultaneously ruining my credit. My credit report shows that prior to XX/XX/XXXX, there was no payment history being reported on this account. It suddenly shows up in XX/XX/XXXX, nearly 4 years after I first disputed this account. 

I have disputed this information 7 times with TransUnion and each time, I am merely told that disputed information was verified as accurate. I am never given any proof that validates this. I would like proof of this payment schedule that they claim I am delinquent on. Please ask them to provide a SIGNED payment agreement. Also, regarding the payments they claim have been made on this account; Please ask them to provide scanned images of a check, wire transfer, or credit card authorization proving that this payment was actually made. As I said, it feels like an attempt to keep this debt alive. 

I have been turned down for two mortgages because of this false reporting and am in fear that it will cost me my job if a credit check is performed as an ongoing condition of my employment. If XXXX XXXX can not provide a signed payment agreement or indisputable proof that payments have been made on this account, I respectfully request that they be required to remove this information from my credit report. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit went down 95 points due to my missed mortgage payments with US Bank in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very upset, either US Bank is not correctly reporting their wording and making this confusion, or XXXX is not retrieving the wording completely and accurately. I have proof from recordings of US Bank offering this program of no payment needed up to 180 days, because of the current COVID-19 pandemic, also stating it will not affect XXXX and credit scores for up to 180 days. I also have documentation proof of this in wording. 

I saw a significant negative impact on my credit score dropping 95 points because of these missed payments reported to the credit bureau during my forbearance plan. 

I opened up a dispute for XXXX and Credit Bureaus to investigate with US Bank for my mortgage in XXXX when I saw this huge negative impact and the reason is because of these missed payments during my forbearance plan. I'm not sure where the ball is dropping, but I just got an update on XX/XX/XXXX from XXXX stating : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This is VERY unfair to me, as I was given false information from US Bank to go into this plan, being told I would be reported on time, to not affect my credit score negatively, and on a forbearance plan.

I have come off the COVID-19 plan now. When I spoke with Experian week of XX/XX/XXXX, they let me know that if I was on a forbearance plan, then they would remove this discrepancy and the negative impact that was made. Again, I was on a forebearance plan, and have documentation proof of this. One of the contacts at US Bank for sending me my forbearance notifications is XXXX XXXX, U.S. Bank Relationship Manager, at XXXX ext. XXXX. Please see attached documents from US Bank to reflect on their part for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and happened to see a major error on my credit report. I 've s ent in 3 certified le tters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Product: Checking or savings account

To Cash App Complaint Operations Team, Thank you for your response regarding my complaint ( Consumer Complaint No. : XXXX ). I appreciate the investigation conducted ; however, there are critical points in your reply that require clarification, as they appear inconsistent with the facts of this situation. 

Dispute Process Misrepresentation : Your response states that I was informed the sender 's bank ultimately resolved the dispute in their favor, and as such, Cash App could not challenge or reopen the matter. However, when I contacted Cash App Support on XX/XX/year>, I was explicitly told by a representative that I should file a dispute and that doing so would not result in my account being terminated. Despite following this advice, my account was later permanently deactivated, which contradicts the assurance I received. 

Account Deactivation Explanation : While I understand that Cash App reserves the right to terminate accounts per its Terms of Service, the timing of my account closure suggests that it was directly linked to the chargeback dispute. This raises significant concerns, as I was advised to file the dispute by your own support team. The lack of transparency surrounding the reasoning for the account closure, beyond vague references to a possible Terms of Service violation, is unsatisfactory. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Friday, XX/XX/XXXX, I tried to send money ( {$1900.00} ) via XXXX to pay a XXXX for work done to our house, from my Ally spending account. The transaction was blocked and the app said I needed to contact Ally in order to complete the transaction. I called Ally, and I was asked to verify an external account I had recently linked, but I was unable to do because I was driving at the time. I was told to call back and that as soon as I could verify it everything would be okay. Once I got off the road, I called back and was able to verify the external account. After working with their customer service and fraud prevention teams for an hour and a half I was told that the real problem was because we had funded the account from my wife 's external account and I only needed to add my wife to the account and everything would be okay. I completed the form to add an additional account owner and emailed it directly to their fraud department as I was directed on Saturday, XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX, I am still completely locked out of my account. The fraud department person I spoke to today is now saying that it will be 3-5 days for them to review and verify everything before they can add my wife and allow me to access my account.
Product: Credit card

My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX The following addresses are not mines please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Experian denied XXXX XXXX XXXX the right to remove a name ( XXXX ) identified on her credit report as a spouse, co-borrower, etc. XXXX XXXX XXXX has never been married and the individual was removed as a co-borrower on an account in XX/XX/XXXX following a Chapter XXXX Bankruptcy discharge. Additionally, there are multiple missing items on the credit report of XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX  XXXX XXXX  XXXX. XXXX   XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Vehicle loan or lease

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CHASE. THIS HAS BEEN RESOLVED IN THE PAST BUT IS STILL SHOWING ON MY CREDIT REPORT. ONCE THE LEASE WAS UP IN XXXX XXXX, MY LOAN WAS TRANSFERRED TO XXXX XXXX. I WAS TOLD ANY AND ALL OUTSTANDING TAXES WOULD BE INCLUDED IN THE TRANSFER WITH THE PURCHASE OF THE LOAN. THEREFORE I DO NOT OWE CHASE BANK ANY FURTHER FUNDS AS THE BACK TAXES WERE INCLUDED IN MY BUY OUT OF THE VEHICLE LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXXXXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX 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 XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.