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

On XX/XX/XXXX there was an Amazon Store Credit Card opened in my name that had made a purchase of {$560.00} to an address that was near me but not my home. On XX/XX/XXXX there was another purchase made with the same card to a different state with the purchase of {$970.00}. 

I had called amazon asking telling them I had no knowledge of these transactions or these cards. They simply returned the money and ask that I call again if there where any issues. Amazon gave me no advice or information on what might happen to the account or card. 

I then received the card in the mail. I then called the number on the back of the card asking if I could close the account or freeze it, as I had no knowledge of how this account was made or how. They simply did the same thing ( refunded the money ) and asked me to call the bank associated with the card. I could no get a hold of the bank because I needed the Account number associated with the card in order to start asking questions about it. 

I then Printed My Credit Report to check if any other cards had been opened under my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those hard inquiries in my Transunion report which I did not recognize, and they should remove out of my credit report. 
List of hard inquiries I want to delete : XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late FOR ANY PURPOSE.
Product: Debt collection

Per our conversation a representative from GLA /phone number XXXX, continues to call me numerous of times throughout the day, and when asked about the debt amount the representative was very aggressive, and gave me an an amount that differs from the amount I received in the mail.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, am filing this complaint against CashApp due to being a victim of a scam and hack that resulted in unauthorized access to my CashApp account and the loss of funds. I believe CashApp failed to adequately protect my account from fraudulent activities despite my efforts to maintain account security, such as [ list any security measures you took, such as using a strong password, enabling two-factor authentication, etc. ].

The fraudulent transaction ( s ) occurred on dates and times and were not authorized by
me. Upon discovering the unauthorized activity, I immediately reached out to CashApps customer service team for assistance in resolving the issue. However, I have not received any meaningful resolution, and the funds remain unrecovered.

As a result of CashApps failure to ensure the security of my account, I have suffered emotional distress. I believe CashApp has neglected its responsibility to protect its users from scams and hacks and has failed to provide adequate support in resolving the issue. 
I am submitting this complaint to bring attention to the security flaws in CashApps system and to seek a fair resolution. I request I be fully compensated for my pain and suffering, as I believe CashApp is responsible for the lack of sufficient account protection and the failure to resolve this issue in a timely manner. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I paid {$700.00} cash 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, via debit card, an additional {$500.00} for hair. 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 have remove the old hair from my head. The woman did a horrible install. On XX/XX/2019, I noticed a {$700.00} charge to my card. 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 Hollywood 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.
Product: Mortgage

My mortgage payment went up due to a tax increase. At the same time I received an escrow overage check. Way at the bottom away from the check I noticed later the next first of the month date with the new higher mortgage payment. Nowhere on top of check letter nor any previous correspondence was I informed through letter or email that my payment was going up. The only way I found out was a letter showing a late fee later. I pay my mortgage on the 20th of every month, 10 days early. Never late nor have I ever missed a payment. To me this is a scam. They sent out an overage check, because any overage in escrow over {$50.00} they do this. They are hoping you miss the new payment in small print at the bottom. My payment every month is made automatically, without any notice why would I change the amount. Now they want an extra {$140.00} plus the higher amount of mortgage payment. Not only that, they took some of my next months payment to fix the shortage and late fees not telling me they did so only to mess up the next month without telling me that month would be short hoping again to add late fees. This is a total scam to gain late fees and is not fair. I have contacted them and have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX Transunion, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over 30 inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.
Product: Mortgage

Have a HELOC with a balance under {$1200.00}. Would like a payoff figure but that requires paying a {$35.00} fee! " Customer service '' is just an automated response.
Product: Credit reporting or other personal consumer reports

Fraudulent credit items on my credit report, that does not pertain and transactions made by me. The information is a result of identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

A door to door salesman sold me solar panels that never worked. Then, I learned last year they went out of business. The finance company, Goodleap collected payments for the defective product for almost 3 years. They never came to fix the product or collect it. Their predatory practices are harmful to many homeowners and they do not honor their part of the agreements. The loan should be forgiven and they need to collect the product and repair my credit.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date as of XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.
Product: Credit card or prepaid card

1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 
2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 
3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 
5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 
6-Provide Disclosures, Terms and COnditions for the actions you took without my permission.

7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have.

8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 
9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance.

Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.
Product: Checking or savings account

A checking account was opened at Comerica Bank in my former name of XXXX XXXX using my SSN and date of birth. 

I never opened an account at this financial institution. A fraudulent check was deposited into this account and the check did not clear. The account was flagged as fraudulent by Comerica Bank and closed. I was notified of the activity through USPS mail.

I reported this to the Fraud Department at Comerica Bank and opened a police report with the local authority. Report is XXXX. 

Regards, XXXX XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

Trinity Hope associates called me and told me I had an unpaid medical debt they were servicing, I informed the company I was unaware of the debt and asked for a bill as I had not received one, they sent me an email of the bill, I told them that I will be paying the bill by Friday this was on Wednesday XX/XX/2023 they then called me back an hour later in which I ignored the 1st call they immediately called again I answered to them urging me to pay the payment that day so it wont go on my credit insinuating it will be very soon could be midnight tonight even though this is a medical bill under {$500.00} which is not reported on credit any longer, I told them again I would be paying the debt on Friday. Now, today they have called me again left another voicemail urging me to call them back to make a payment though I had already told them multiple times I would pay the debt on Friday. Looking at my missed and ignored calls I have a total of 6 calls in from this company in 2 days 3 in which were after I had already spoken with them and advised them of my decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the Equifax data breach there are accounts, name, addresses, and inquiries that I did authorize.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being.

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights.

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or XXXX  days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Consider this as a follow-up complaint to my previous complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance and limit on my XXXX credit card is wrong. I called the credit bureau on XX/XX/2022 and filed a dispute for them to update their records to the latest information. They haven't responded to my dispute or updated my information. Their website still shows my old balance and limit. I tried to follow up on their website but it only shows that the dispute is " in process ''. I explained to the agent that opened the dispute that I needed the information updated expeditiously due to a loan that I'm trying to finalize. This balance and limit has already reflected in XXXX, but not in the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

They are reporting incorrect information. They are reporting accounts that does not belong to me.
Product: Bank account or service

Discover Bank holds my deposits and transfer-in for unreasonable periods, making it impossible to access funds and earn proper interest. When I deposited my check via the mobile application, I received an email saying my fund will be available 1 business day after deposit day if the deposit occurs on a business day. I deposited {$300.00} on XXXX XXXX, 2016 and they released {$200.00} on XXXX XXXX, 2016 and hold {$100.00} till XXXX XXXX, 2016 while all the fund has been deducted from the withdrawal account on XXXX XXXX. For transfers from external account, they hold the funds for 2-3 days before making it available for use even though my external account has been deducted. I believe this is a malpractice as they hold my money for extended period and I lose interest on these funds.
Product: Debt collection

I had a collection account with Portfolio Recovery for the original creditor being XXXX XXXX. I contacted Portfolio Recovery by phone on XX/XX/19 and asked them if I paid the collection would they delete the tradeline on my credit report. They said that they do that for all there collections. It even goes as far to state that on their website. So I paid the amount they requested and here it is over a month later and when I went to check my XXXX  credit report and it is still there. It has not been deleted and all they did was update that it was paid. This is not what they stated they would do with their tactics to get my money. I was even told by the person I talked to, to make a recording of him saying they would delete it. I tried to dispute this with XXXX directly but they did not delete the tradeline.
Product: Credit card

I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped.