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

XXXX XXXX  credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Product: Checking or savings account

From XXXX XXXX XXXX, We had fraud connected to our account and nearly XXXX dollars were stolen from us. We communicated with Chase, and they provided some temporary credit, but by XX/XX/XXXX, we had XXXX large charge reversed ( 655.67 ). As of now, there are XXXX additional large charges ( of nearly the same amount ) that are not closed from their fraud team, but purchased the same way. We worry that these will be reversed too. We a They explained that they can not prove the fraud, therefore reversing the charges, and we would have to do directly to the vendor. We found the vendor and got the receipts for the items fraudulently bought on our account, and across the country, and have so far been working with a XXXX party company to assist.
Product: Credit card

Collection Agency violated the FDCPA by sending several collection notices which included language that is false, deceptive or misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI CFPB, I TRY TO REACH OUT TO XXXX AND TRANSUNION REGARDING MY CREDIT REPORT ABOUT MY NAME IS REPORTED INCORRECTLY, MY FULL NAME IS : XXXX XXXX XXXX NAME REPORTED INCORRECT : XXXX XXXX THEY ALSO REPORTED MY HOME ADDRESS INCORRECTLY I HAVE NEVER LIVE IN THE FOLLOWING ADDRESSES. 
PLEASE GET THEM TO REMOVED THIS ADDRESS OFF MY CREDIT REPORT. 

I WOULD LIKE TO DISPUTE THIS 3 ADDRESS. 
1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX, XXXX, CA XXXX 3. XXXX XXXX XXXX, XXXX, CA XXXX 4. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A XXXX PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of 2022 I entered into a lease with Tesla Financial. Since then, I had a temporary plate and NEVER received registration or my license plates. Tesla is not responding at all and I've been given the run around over the past year. In summary, I can not use the vehicle, furthermore, even not using the vehicle, I have been ticketed for just parking the car outside my house with plates.
Product: Credit reporting or other personal consumer reports

I had a credit card for my business with XXXX. They closed down and I am guessing that Servicing Solutions took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with.

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' from my credit report.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.
Product: Credit card

I have the Chase Sapphire Reserve credit card and this morning a new promotional offer appeared offering {$100.00} cash back if a travel purchase greater than {$500.00} was made through Chase XXXX so I added the promotion to my account. The promotion has since disappeared entirely from the website. Many others are also complaining of this promotion having since been disappeared from their portal after booking travel.
Product: Credit card or prepaid card

I received a VISA Vanilla Gift Card for {$75.00} given to us on XXXX XXXX XXXX. I understand that XXXX XXXX XXXX is the overall company. When I went to use it at a restaurant on XX/XX/XXXX the card was declined 3 times. Then I called the number on the back of the card and was told online that the card was good for {$75.00}. So I gave it back to the waitress plus cash to pay for the meal and tip. It was declined 3 more times. So I paid with a different card. When I got home I called the number on the back of the card one more time to speak to someone about the problem. They started talking about a 20 % hold at restaurants etc. I asked to speak to a supervisor. I read the entire back of the cardboard container in which the card came. Nothing indicated that the card was only worth {$62.00} not {$75.00}. Also, it specifically stated " No Fees After Purchase ''. The supervisor hung up on me. So at this point I don't know what the card is actually worth or if I can use it anywhere without being held to the {$62.00} amount or if even that is not available. The XXXX XXXX XXXX has a one star evaluation on this company. It was a gift or so I thought.
Product: Credit reporting or other personal consumer reports

Capital one is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. Capital one should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.
Product: Checking or savings account

I put XXXX in my business checking account so I can get the XXXX bonus. I went to the bank and they said something was going on that I have not received the bonus in my business checking account. There was an error opening it up so I thought it started XX/XX/XXXX. I kept my money in there and made 10 transactions on XX/XX/XXXX. There was a lot of confusion because XXXX did not open the account correctly so I had to go back to bank the following week and she informed me that is when my account would be opened. She could not open it with the error that currently happened the week of XX/XX/XXXX. I was then told at the branch I had until the second the week of febuary the XXXX. So for one day im not getting the bonus
Product: Student loan

Federal Aid Loan ( s ) were forgiven. I contacted XXXX XXXX who currently has a Hold on my student transcripts I have repeatedly requested that my account be updated because of the Loan Forgiveness I received for the US Dept. of Education. I dont owe XXXX XXXX any money ; and would like my account updated to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter XXXX.
Product: Debt collection

I have disputed and asked for validation of XXXX accounts from XXXX. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and XXXX XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
Product: Debt collection

On XX/XX/XXXX, while building a fence for a client a XXXX XXXX XXXX XXXX XXXX was cut. XXXX XXXX had not marked this space. There were flags around it and because of that, the holes in question were hand dug. The actual cables were too far down and were damaged while the digging was taking place. 

The neighbor who was unhappy with the job complained that an auger was used in this area and that's why the wires were cut. This was not the case as other flags were in the same area. 

We received a bill in XXXX after this happened because of the actions of the neighbors. We worked with someone directly at XXXX XXXX . Unfortunately, at the time almost all offices were closed due to COVID, and we had to communicate via email. It was determined that because XXXX XXXX didn't mark that spot and all procedure for digging was followed, we were not liable for the bill, and it was cancelled. 

I kept all the information and paperwork for 2 years then decided to discard it. 

On XX/XX/XXXXXXXX XXXX XXXX I received a collection bill from XXXX XXXX XXXX XXXX. I was able to contact them and find out that disputes need to be sent to an email. I sent the first email detailing the above on XX/XX/XXXX. Due to my own health, I didn't follow up again until XX/XX/XXXX. I had yet to hear from them and sent both a snail mail letter and another email on XX/XX/XXXX. I still have not heard anything from this company regarding this bill/issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 by more than seven years.

15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6800.00}
Product: Credit reporting or other personal consumer reports

For years i have been requesting that my name be corrected on all XXXX credit bureau my name is XXXX XXXX XXXX i have sent my license my social showing this information so that they correct it and they seem to not care
Product: Checking or savings account

My husband and I opened a Savings Builders account with CIT bank in 2017, advertised by CIT as the product with the highest interest rate. When we signed up, the interest rate was 2.65 %. Over the years, interest rate adjusted down with the market, and we were under the impression it would adjust up with the market, since it's been advertised to be the product with the highest interest rate.

However, we found out that the interest rate is currently at less than one percent, whereas their other newer products are offering rates over four percent. We were not properly notified to transfer to the newer products, and or what their interest rates are. We place a lot of trust in the bank and do not check our interest rate vs the other products everyday. The bank deceived us into believing we have the product at the highest interest rate from their bank. We currently have over {$260000.00} savings in the bank and have lost several thousands  of dollars in interest, because of their false advertisement of the product.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 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.
Product: Debt collection

I called to settle my debt for my USAA credit card which was canceled, but once I requested a letter from them to say I had settled the amount I was laughed at and told that it wouldnt be removed as a negative impact and that I would just have to deal with it on my report. I have been with them for over 15 years, I have all my insurance, banking and all accounts with them and I thought that as a veteran they had my back. Im trying to sell my home and buy another and this is seriously impacting my chances to move forward. I went through tough times, but Im making a comeback and working hard to prove it. I just want a chance to start over and provide for my family and Im so disappointed that Im being treated this way. My circumstances have changed significantly and I know I wont be struggling financially like I used to. I would like the opportunity to move forward with this and I need help getting this fixed.
Product: Credit reporting or other personal consumer reports

Lexis Nexis gave XXXX XXXX a Credit Report on me. XXXX turned me down for XXXX. XXXX said they turned me down for XXXX because of the information on me in the Credit Report Lexis Nexis gave to them.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX  { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!
Product: Debt collection

This is a hardship loan I took out when my house burned down in XXXX. I defaulted on the loan and the loan was charged off in XXXX. For the last year, after the charge off, the vendor has submitted a late payment to the credit bureaus in a punitive attempt to punish me after the debt was written off. My credit can never recover because they submit a new 30 days late at the start of every month.
Product: Checking or savings account

Wells fargo has been charging me overdraft fees excessively.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX {$540.00}
Product: Debt collection

I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 an alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached a letter to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was 2 fraud/unauthorized inquiry 's on my account which I had received a letter in mail months ago would be removed but they still appear on my transunion and possible other credit reporting companies. On XX/XX/2019 I am being told I made a Inquiry with both XXXX XXXX XXXX and XXXX XXXX store which I never applied or authorized anyone to run a credit check as i do not shop in these store. You will not find my signature anywhere applying for these cards. The letter I was sent saying it would be removed unfortunately I have misplaced otherwise I would attach it here.
Product: Checking or savings account

Homedepot debits my account monthly for {$28.00} at least since XX/XX/2020 when I noticed it and have done it on two previous occasions before. I have stopped this twice and they have no authorization to do this. I have messaged them about this twice telling them they had no authorization to do it and included my telephone number in every message to discuss this if needed with no contact.These messages were sent on XX/XX/2020 and XX/XX/2020. At this point I have stopped payment at my bank. Last message I informed if they did it again I would stop payments all together. Still no contact and they did it again. I can't understand how they get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I call USAA to inquire about one of the reason that USAA denied by auto loan application. That reason USAA listed from an XXXX  credit report dated XX/XX/XXXX was " Collection action or judgement or foreclosure or repossession or garnishment or attachment or lien ''. The customer service rep from USAA check for information from their XXXX  credit report to see why USAA listed the reason stated above. The USAA rep confirmed that the above reason was listed due to the bankruptcy that was listed on their lender 's version of the credit report from XXXX. Now, I did file for bankruptcy in XXXX but that came off my credit report in XXXX. When I told the rep this, the rep said the credit report they get listed a two year history on Public Records including bankruptcies. I argued that bankruptcies should only be on a credit report for 10 years as my penance for filing for a bankruptcy. The rep then said I should call XXXX. When I called XXXX, they pulled up the credit report they supplies to USAA on XXXX XXXX and it did not show any Public Records including no sign of my bankruptcy that I filed. I was also able to see the same XXXX XXXX report on my XXXX membership account and could confirmed that there were no public records. My next step is to call back USAA and report what XXXX told me over the phone and submit the same credit report XXXX submitted to USAA that I downloaded my self.