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

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim # XXXX XXXX has XXXX their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following XXXX in the resolution section have committed XXXX XXXX on my consumer report, which violates the FCRA & FDCPA. XXXX XXXX XXXX is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that you are a licensed debt collector *XXXX XXXX XXXX XXXX that you are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX response they stated XXXX has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Inquires on credit report that I never authorized. Incorrect name, addresses inquiries and information. Ive done several disputes with Experian, XXXX and XXXX and they havent updated nor removed the incorrect information. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PayPal created an account for me without my authorization or consent and maintained my credit card information as part of that unauthorized account. I repeatedly asked them to delete the account, which they repeatedly failed to do until today. I understand from a PayPal representative that a vendor has ( had ) the capability of creating a PayPal account for a patron of that vendor 's service without the express permission of the patron to open, maintain or keep financial information of that patron. This seems wrong to me for many reasons, not the least of which is that they are counting me among their rolls and housing my private personal and financial information without my permission.
Product: Credit reporting or other personal consumer reports

It was incredibly disappointing to find unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. Ive always checked my credit report without any issues, but today, there were discrepancies that I wasnt expecting. I refreshed the browser, thinking it might be an error, but nothing changedthe unauthorized inquiries were still there. This has caused me a lot of frustration, and Im urgently requesting that my documents be thoroughly reviewed to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

It seems to me that there is a class action lawsuit in order. Transunion has deliberately made it difficult for certain members in protected classes to dispute improper and fraudulent information on his/her/their credit report. It seems they are going out of their way to avoid fixing the issue. 
Please please please consider this a high priority as my friends are submitting complaints as well. We are all XXXX XXXX and have refused to purchase transuinion paid services. We were able to dispute inconsistencies on our credit report in the past and recently we were in 2 data breaches. However, Transuinion is only allowing certain people to mail services. After explaining that I am unable to mail info I was explicitly denied assistance from multiple Transunion reps. 

This is a national issue if it is repeated as I understand it to be.
Product: Checking or savings account

I simply received a PPP loan from the XXXX and out of nowhere .... based on 0 issues from the people I paid with that money ... my account at Chime was closed. No warning ... .no questions ... and now I lack a checking account, my payroll processor thinks Im shaddy cause it came up closed to them, I'm supposed to be moving in a week but I dont have a checking account ... .or a debit account and I did nothing fraudulent. 

The insult here is that Chime initially rejected my deposit, causing a delay of 25 days before the deposit was accepted. Because of their delay I couldnt get the second draw on the PPP and so they cost me {$18000.00}. Let alone I had to scrap by for 25 days before I got the needed funds ... .and now I dont have a bank account! I get its a personal account, but it was my personal business ... .and no one but me has been harmed by anyone ... .Chime, wish they'd have told me they would XXXX me with out any lube.
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 violates the Consumer Finicaial Protection Act ( XXXX ). Specifically Cash App failed to take timely and affective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotective, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( XXXX ) and Regulations XXXX These actions has caused significant and inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I '' m a victim of fraud and this collection company is trying to collect a debt thats was open Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

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. The Transunion Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

REMOVE FRAUD ALERT FROM EXPERIAN, XXXX
Product: Checking or savings account

I had a joint account with my Mother who passed away in XX/XX/2021 with TD Bank. The account # XXXX. After my Mother was placed in a XXXX XXXX my Brother XXXX XXXX XXXX took a fraudulant Power of Attorney to the Bank and obtained signature card on the account. Once I was made aware of this, I contacted TD bank 's fraud department who reviewed the Power of Attorney had the signature and all checks stopped on the account. However, I have discovered that the account was closed without my knowledge or notice. I have never received any notification of were the funds where transferred to or that the account was being closed. In addition the fraud department was made of aware of telephone transfers from my Mothers account while my Mother was XXXX XXXXXXXX  recovering from a XXXX.
Product: Checking or savings account

They're denying me using my debit card on purchases to XXXX XXXX all of a sudden and I will provide you with the statement to show the proof. Have had no problem with them allowing me to use it until last week and I had made purchases with the debit card merely hours before & then all of a sudden I started receiving messages telling me they denied me using it for suspicious activity. I contacted cash app and they said I would no longer be allowed to use it and I asked them who XXXX  XXXX are they to decide how I spend my money ... and come to find out that all my friends have been blocked using their cash app cards on there as well. They have no right to decide how I spend my money if it's available on my card and they also have denied me being able to go into a store and add money to my card so I'm always having to give money to someone who has cash app and then they'll transfer it to me. When I asked why I could not add money to my card, I was first told that only certain people were allowed at that time to add money and eventually I would be allowed to but, I waited over a year and submitted a letter to them asking why I did not have that option and they tell me I violated their terms of service, so I asked them what term I violated and they refuse to tell me because I DID NOT VIOLATE ANYTHING! I want to be able to use my card and spend my money however I choose to do so & IF I have problems I will contact them but they have NO right whatsoever to block my transactions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Product: Debt collection

this company that XXXX XXXX XXXX has sold my information to is trying to charge me for breaking my lease due to domestic XXXX. legally i can not be charged and i am being harrassed at this point. i need this off of my credit report so that i can get a new apartment
Product: Credit reporting or other personal consumer reports

Hi I had my identity stolen somehow with a tax preparation program. Somehow someone got my information and opened a credit line in my name. Also now I cant file taxes using my doc sec number. I have to use a number sent by the irs every year. The credit card is from Old National Bank. I have never heard of, Applied to, Or even heard of this bank in my life. I have reported this to all three credit report companies and it appeared it had been removed But now I tried to get my credit score from XXXX and it said my balance increased again on this card? I need help to prove this is not mine somehow. I have tried every way I could look up and think of. It is hurting my credit badly. And I feel I should be able to prove it is not mine and have it deleted from all credit reports as soon as possible. I have a hard time getting loans for anything. Any help is very appreciated. Please help me. I dont know what else to do. Thank you.
Product: Checking or savings account

I was incorrect on the dates in complaint XXXX. I have corrected the dates below : On XX/XX/2019, I paid {$500.00} via my debit card to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid {$700.00} cash, ( new hair XXXX and XXXX for install ) .The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to remove the old hair from my head. After removal, she install the new hair. The woman did a horrible install. On XX/XX/2019, a {$700.00} charge was made by XXXX XXXX through XXXX XXXX XXXX. I was not present when the charge was made, I did not sign the receipt as she forged my signature, I did not receive services for the {$700.00} nor did I authorize the charge nor did I sign the receipt. I was not present at the time of the charge, I was at the gym with a biometric signature at the gym. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have XXXX clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card. I did not sign the receipt. She had my signature on an authorization form which she used to copy my signature. She has done this to 4 other patrons. The police are going to issue a warrant for her arrest for forgery, fraud and theft over $ {$500.00}.
Product: Credit reporting or other personal consumer reports

I want to remove these inquiries from my report becauce I don't know them
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info
Product: Checking or savings account

I have been doing business with SunTrust for roughly 14 years. After converting to Truist I started having problems. Most recent, I wrote a check to myself from another account, which I have been doing ever since mobile banking has been allowed. I live in a rural area and a branch is more than an hour away, so this is how I move cash or other money. I've probably done this 100+ times. I had funds not be paid at my other bank, which returned the check. I went the next day and put cash in the Truist account to cover the mishap. Several weeks later, I couldn't access my account online and couldn't see my husband 's payroll check deposit. I contacted Truist on XX/XX/XXXX and they claim it set off a fraud alert so they blocked all incoming and outgoing transactions and that the payroll deposit would be sent back. We waited for 7 days working with the sender with no notifications from Truist. I started calling Truist again on XX/XX/XXXX. Each day it was a different story. They said they did credit the account with my husband 's check, paid an outstanding balance of around {$600.00} and I had a balance of XXXX XXXXXXXX. I told them we couldn't go without the paycheck, they created a mess with bills I scheduled to pay and that I needed to pay my electric bill. Each day I've called and they state they will call back or that they will get the block off, but no response thus far. Now they're stating that due do old accounts, they haven't released funds. We need our paycheck and the problem resolved, but can't get any assistance from Truist after 6+ calls to them.
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 wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute with equifax and XXXX 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Public information is inaccurate therefore I would like to dispute all inquiries on my credit report due to information being inaccurate I dont have any knowledge of any of these things
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
CHEX SYSTEMS INC.

IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Product: Mortgage

XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX. 

my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account. 

Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild. 

now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed. 
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX
Product: Vehicle loan or lease

In XX/XX/2020, Alliant Credit Union charged me an extra $ XXXX for not having insurance on my vehicle. I have had ongoing insurance on my vehicle through ridesharing apps and through XXXX XXXX. When I showed them proof of this, they only reduced the extra fee. They did not remove it.
Product: Student loan

I have been fighting with the former XXXX XXXX, now Navient, student loan servicing for over a decade. My loan ballooned from late fees tremendously during this time period and has increased my payoff time by at least 5 years. In light of this new class action lawsuit, I would move for all or part of my Navient loans to be forgiven. Can you help?