23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed credit card dispute with TD bank XX/XX/23 for an amount of {$980.00} for a purchase I did not make. I reported that I had the credit card in question at the time of purchase, whoever the purchase was made in XXXX somewhere in XXXX XXXX where as I reside in XXXX XXXX XXXXXXXX with no transportation available to me to go to New jersey for any purchases. I am an elderly woman and try to get all my necessities near where I live. I got a response back from TD bank XX/XX/23 where their investigation concluded that no fraud was detected because as they said, " You advised your chip card was in your possession, during an in-person transaction. '' I am unable to pay such a big amount, especially one I did not make, and have asked TD to reinvestigate at least twice and they continue to deny my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX for XXXX dollars reported on XX/XX/XXXX and opene don XX/XX/XXXX I requested that they Send the following information : - equifax has no information on the original alleged creditor an has failed to provide infomtion about this account reported as a collection
Product: Checking or savings account

I am demanding a full and certified audit of our account for various discrepancies that have been found in the accounting.
Product: Payday loan, title loan, personal loan, or advance loan

I've applied multiple times to get lines of credit and credit cards and personal loans and they said I had outstanding approval odds or great Approval odds and then I apply for it and I get denied and now I have bad credit because of it
Product: Checking or savings account

XXXX XXXX company wrote me a check for XXXX. I deposited this check into my NAVY FEDERAL CREDIT UNION ( NFCU ) checking account XX/XX/23. XXXX XXXX company has shown me where NFCU had cashed the check on XX/XX/23 ; NFCU is saying that they did not cash the check and that the check is fraudulent. They have taken the money out of my account and I can't access my money.
Product: Checking or savings account

On XX/XX/2022 a check written for XXXX was incorrectly cashed for {$70.00}. Check image clearly shows the check was written out for {$25.00} but the check cleared for {$50.00} more then it was written out for. 

Have emailed Ally Bank and tried to make a phone call but Ally Bank now allows unacceptable call times of 30 minutes! Customer no Service forces me to file a compliant with the CFPB
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we reserved a unit that is offered through XXXX by XXXX XXXX XXXX. The XXXX listing said that a {$200.00} pet fee was required. That same day, we received an e-mail from a user identified as XXXX XXXX ( e-mail address XXXX ), asking for the {$200.00} pet fee via PayPal. We paid the fee using our PayPal account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a request for another {$200.00} for a cleaning fee from a user identified as XXXX XXXX XXXX XXXX  ( e-mail address XXXX ). We grew suspicious, because the payment through XXXX included a cleaning fee and because this e-mail did not match the prior one. We did not pay the requested additional {$200.00} cleaning fee. Instead, we used the XXXX app to contact XXXX XXXX XXXX  and they said both requests were fraudulent. 

We informed PayPal that these requests were fraudulent, and requested that the XX/XX/XXXX payment of {$200.00} be refunded. PayPal declined our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting Old address inaccurate address be removed from my credit report and updated to this current address. 

XXXX XXXX XXXX XXXX Ca XXXX Furthermore ...... 


I am writing to formally request a thorough reinvestigation into the inaccurate accounts on my consumer credit report. I have identified several erroneous instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is a violation of federal regulations and a breach of consumer trust. 

Additionally, you are in violation of the Privacy Act of 1974, as I was not given an opt-out notice as required by 12 CFR 1016.4, which mandates initial privacy notices to consumers.

I insist on strict compliance with Metro 2 reporting requirements. Therefore, I request irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - 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 XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Product: Checking or savings account

I signed up for a Citi XXXX checking account because it advertised a XXXX XXXX XXXX AAdvantage bonus miles promotion if certain terms were met. Mainly, the terms were to spend {$750.00} in qualifying debit card purchases within 60 days after opening the account and to make a qualifying bill payment for 2 consecutive months within the same 60 day window. I met all these requirements, but Citi is refusing to credit me the XXXX bonus miles because although all transactions were made within the 60 day window, one of them posted just after the window. This seems like a disingenuous move on Citi 's part because I only opened this account and spent {$750.00} just for the bonus miles, and to have one transaction " post '' just outside the qualifying window is very unfair. For whatever reason, this one transaction took particularly long to post, whereas others posted very quickly. I am not claiming that Citi is doing this intentionally, but I just wish they would at least have the courtesy to make the exception in my case since I clearly made all the transactions and qualifying activities within the 60 day window. {$750.00} is no small amount to spend and I feel as if I have been deceived by Citi.
Product: Debt collection

Hello, A couple years ago I had gotten a letter about a debt from a debt collection company. The debt collection company I have tried countless times to get ahold of. 
This company is called Rodenberg Lawfirm located in North Dakota. 

I have tried contacting them via phone number, snail mail, and emails and have not gotten a response. 

I still have old emails and a copy of the letter I mailed them in XXXX asking for information on the debt. 

This summer on XXXX, XXXX XXXX they garnished my bank and got {$600.00} and they were asking for {$1100.00}. I only had {$600.00} in my account at the time because I quit my job because of a family emergency which my only income since leaving work in XXXX has been from unemployment, which I read is exempt, but I dont want to send this debt collector my bank statements, when I cant even get a response from them, it makes me nervous giving out information like that. 

Now I got another letter in the mail that they are going after my account again for another {$1100.00} but they already took {$600.00}, so I am so confused on why the balance has not gone down and I do not know what to do. 
I am XXXX XXXX XXXX XXXX, and this is really making me nervous, as I cant afford for my account to be garnished again. 

I got the letter which is dated for XX/XX/XXXX on XX/XX/XXXX. 

I was not sure who to contact, I hope you guys can help, or somehow guide me in the steps to take to get this taken care of. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using Equifax services in XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXX XXXX  this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX XXXX am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items XXXX finding this is the case with both Equifax XXXX XXXX. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flagship credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : inquieres : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

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

Im having a hard time getting Experian to update my score nor my correct information. I did updated multiple times my address alone with my ID and I tried multiple times with different way of proving my address to be updated however is very difficult when it comes down to over the phone or any communication experian report And representative to communicate over the phone is very difficult and is become hard for me just to even fix my profile anymore. I would like to update my credit on experian report Especially to not getting update my address and correct information is very frustrating and I would like to get my score and my address updated. I tried the best of my ability and its still not working.
Product: Credit card or prepaid card

I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.
Product: Debt collection

Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
Product: Credit reporting or other personal consumer reports

Student Loan ( DEPT OF ED/ XXXX ) In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  Has violated my rights.

15 U.S.C. 1861 Section 602 A. States I have the right to privacy.

15 U.S.C. 1861 Section 604 A Section 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

As XXXX  I have received the response from Experian stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XXXX XXXX XXXX   and XXXX XXXX XXXX Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. Now what public record vendor provided you with hearsay and yet you respond with no proof of your verification. I'm the debtor and the courts clearly stated they don't share any information with anyone not Experian, XXXX, XXXX or third parties period. So how can your public vendor verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!
Product: Credit card or prepaid card

I have a chime credit builder account and not able to pay the {$14.00} balance because they said I can only pay with chime checking account. My chime checking account is in the negative so I cant use it until I get it fixed. Chime credit builder also offered another way to pay it from another bank. I called Saturday XX/XX/2021 to speak with the company about paying my credit card from another bank. The associate I was speaking to didnt know what I was talking about and I wasnt understanding how she didnt know what I was talking about when Im the chime app it says I can pay my credit card with another bank. How do you work for a company and not know all the details about it. She didnt want to transfer to nobody as well. Now my credit is messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont have cards from these banks issued on dates listed or within 30 days check my credit report XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXshow as 90 days late from XXXX, XXXX, and XX/XX/year>. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Product: Debt collection

It has been 7 months trying to resolve a chargeback issue. Wells Fargo Personal bankers, Wells Fargo Merchant Banking and Wells Fargo 's collection agency can not resolve the issue and provide sufficient and clear documentation on what is owed, what fees were charged and why, and we still can not resolve the issue 7 months later. 

The departments have no way of working together to show what money was passed from my personal bank to merchant banking or to collections, or what was passed on from withheld funds in merchant banking to collections. 

Furthermore, I was charged multiple times for them randomly trying to extract money from my personal and business accounts, and then was charged for the rejected transactions on both the merchant banking and the regular bank. Furthermore, they charged me twice for the processing fees ( the chargeback had been once reversed ). 

No one has reached out with relevant information to resolve debt owed but is going to release the information to a third party to affect my credit even though I have been trying to resolve this issue for over half a year.