23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I HAVE DISPUTED MY CREDIT REPORT WITH EXPERIAN FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. IN FACT, THEY TOLD ME FLAT OUT THAT THEY WILL NOT REMOVE INACCURACIES OFF OF MY REPORT AND TO NOT CONTACT THEM ANYMORE. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS IN SCHOOL AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ). 
- STATE TAX LIEN - THEY HAVE A TAX LIEN ON MY REPORT WHEN THE IRS REQUESTED FOR THEM TO REMOVE THIS TAX LIEN. I HAVE SENT THEM MY TAX LIEN RELEASE/REMOVAL PAPERWORK SEVERAL TIMES WHICH THEY HAVE IGNORED. THIS TAX LIEN WAS REMOVED FROM MY XXXX & XXXX REPORTS BASED ON THE LIEN RELEASE I SENT THEM FROM THE IRS. 
- BANKRUPTCY - MY BANKRUPTCY WAS DISCHARGED. THEY HAVE NOT REPORTED THAT ON MY CREDIT REPORT. 
- PUBLIC RECORD - THEY HAVE A PUBLIC RECORD JUDGEMENT ON MY REPORT THAT SHOULD HAVE BEEN REMOVED FROM MY REPORT AS IT WAS FROM XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear TransUnion Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : $ 432 Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it. 
Copies of any documentation, contracts, or agreements related to this debt. 
Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I never opened a credit card with XXXX XXXX XXXX XXXX  This is a fraudulent credit card that was opened unauthorized due to identity theft. Unfortunately, I have been a victim of identity theft. I had my purse stolen out of my car that was broken into. I have had my identity stolen and XXXX person who did it already served jail time. I have had my personal information sold on the XXXX market. I have police reports for proof and I am working with a XXXX I told this credit card company that is ruining my credit that this was not mine and I showed them proof but they still will not set it as a closed fraud account. They even wrote me a letter saying it was fraud but now they are saying its not by putting it in my credit report. Please get this company to leave me alone and take it off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX.
Product: Money transfer, virtual currency, or money service

Hi My name is XXXX XXXX XXXX. 

I operate an account with PayPal with Reference ID : XXXX. 
Recently Sat, XX/XX/2021. XXXX XXXX, my account was blocked and I received a mail stating that I can no longer use their service also my funds are going to held for 180 days. 

I was surprised since I have no issue with any of my clients who has paid us via PayPal. we offer a fair service that only accepts payment once our clients are satisfied with our service to them. 

Since the mail stated that I violated one of their rules and I wasn't sure which one was it, I mailed them and I was told that my documents didn't match information on their platform. 

I sent them a mail trying to explain what happened and they haven't gotten back to me ever since. 

I have attached the conversation with them here, And I am hoping to get a response.
Product: Credit card or prepaid card

Paid off balance in full as stated on the pay off amount on bill. Received a second bill for interest at XXXX, company stated this interest was incurred on a balance that was paid off before due date.
Product: Checking or savings account

Capital One informed me in XX/XX/2020 that there was suspicious activity on my account and they would be closing my business with them after investigation. I was told that some deposits that were made not in my name would be returned to the issuing agency and my remaining funds ( which were all deposited in my name ) would be sent to me ( about 28k ) in 10 business days. Since then there has been no response.

Over the last few months Capital one has not responded to my inquires or sent me any funds or information. I am able to see my
accounts and can see they have withdrawn funds back in XXXX and continue to have hold on remaining funds. Im aware that investigations can take up to 90 days however that deadline has passed and I would like my funds which are not under review remitted to me and my account closed as promised.

The deposits in question were from my girlfriend and mother using separate accounts we had made together to receive their unemployment benefits. Even after verification with unemployment office and addition of them as beneficiaries on account Capital One chose to refund the deposits ( I assume ) to unempyment. However the remaining funds included funding I had received in my name. It has been very difficult to deal with COVID and loss of work while also not having access to this large amount of my money. 

As of XX/XX/2020, Capital One continues to ignore my emails and phone calls. I am forwarded to the security department voicemail where I have repeatedly left my information and requested call back. I am unable to close out my accounts or move my remaining funds.

Please help, at this point Im at a loss for what to do besides a lawsuit and due to COVID and my financial hardships this is just not feasible.

At the same time my credit card with Capital One has now listed 4 months late payments as they refuse to use my remaining funds to pay the balance yet continue to hound me with calls and emails and letters about my unpaid balance of {$350.00}. Yet they continue to not  answer about my $ XXXX frozen. Debt collectors refuse to acknowledge this and continue to report negative on my credit reports even after explanation of this and COVID hardships.

Im very close to becoming homeless at this point and am concerned once my cell phone is turned off I will be unable to ever get my funds.

I understand banks need to investigate and have rules regarding suspicious activity which can be broadly defined as anything from deposits to withdrawals into bitcoins. Im not disputing this action, I only want to close my account and collect my rightfully deposited funds now that is has been well over the limit for account investigations and completion. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, CFPB officials. I have made multiple calls, sent two different emails, and personally visited a branch in XXXX, IL of CIBC USA to establish a checking account there. My inquiry was to know if I could open it with a money order or cashier 's check, because the stipulation from their website is that it must be opened via branch representatives. 

After multiple calls and being hung up on or on hold for an hour each time I had sent a first email to customer service which had me redirected to the same phone line again. 

I then went visiting the regional branch in person on XXXX XXXX XXXXXXXX XXXX in XXXX on the XXXX of XXXX XXXX, only to be misunderstood by representative XXXX XXXX that she thought I wanted an agility savings account. Her message to me was that I was out of their footprint by living near XXXX, TN. She also provided no directions on the ability of cashier 's checks and money orders to generate accounts. 

Clearly, to avoid hassles, a residency requirement must be clearly posted for potential clients to see. Most banks and credit unions look to that as a good policy because they see opportunity in diverse banking relationships. 

I prefer that if someone is going to discriminate against me as a XXXX man from opening a bank account, then tell me straight up. Why cower when all my bases are covered? It's not like I want her for a credit account or anything. A simple place to stick a little cash to sit is all I wanted and she would not be wise enough to give me that. It didn't make any more sense than suggesting one of their accounts, being out of their footprint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  and XX/XX/XXXX, I formally challenged the validity of an alleged bankruptcy listed on my credit report under my Social Security number. I am now requesting a reinvestigation of this account with Transunion and they indicated that the information was " verified '' through XXXX records. On XX/XX/XXXX, I requested that XXXX provide me with all documentation and information used to verify this alleged bankruptcy, including but not limited to the original documents containing my signature and the signature of the XXXX XXXX XXXX XXXX. If they could not produce these documents to substantiate the claim, I requested that they immediately remove the bankruptcy entry from my credit report. I have attached the response from XXXX that in their effort to resolve my concerns, XXXX initiated a dispute, and that investigation was resolved as of XX/XX/XXXX. During their investigation, XXXX located and removed the following records from the consumers file with XXXX : Bankruptcy Record : BANKRUPTCY RECORD CASE NUMBER XXXX It is clear that do not report to them or any credit bureau for that matter. Therefore Transunion initial response verifying the item with the courts or XXXX was either an error or a lie. Either way the reporting requirements do not comply with FCRA 611 15 USC 1681I and the information must be deleted immediately. This inaccurate entry is adversely affecting my credit standing and defaming my character. Additionally, Im expressing to them there may be additional violations of the Fair Credit Reporting Act ( FCRA ), specifically which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information removed from my credit report expeditiously. Again Im including yet another attempt to letting them know I will be maintaining detailed records of all correspondence and actions related to this matter. Including that their failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Product: Credit card or prepaid card

Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?
Product: Vehicle loan or lease

I have a charge off on my credit due to a fraudulent auto loan on my credit reports. I have never applied nor submitted any info to obtain this loan. I did not authorize nor co-sign for anyone else to do so on my behalf. I have been battling back and forth with this issue with the debt collector for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have   XXXX   inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.       XX/XX/XXXX    XXXX  / XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
Product: Debt collection

I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.
Product: Credit card or prepaid card

Reference complaint XXXX. Negative impact on credit score showing I closed an account. The Reference no is to the original complaint of not knowing about this card. The fact that I did not authorize transferring my 9.99 % account to a 25.99 % card. Which they charged me a {$41.00} fee to transfer the balance without my authorization. Predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Product: Credit card or prepaid card

on XXXX i paid XXXX to XXXX for an item that isn't even sent... it's been 15 days and nothing yet this company when I called and when trying to dispute it on the website says wait, no I won't. I bought from XXXX AFTER that date and got things so they messed up. I want the credit. The tracking number I provided shows that it never was delivered ie, Tracking Number XXXX XXXX is what they claim the carrier is XXXX, XXXX. 

Account ... XXXX {$5.00} ON STATEMENT AS XXXX, XXXX. 
MERCHANT LOCATION XXXX CA XXXX TRANSACTION DATE Tuesday, XX/XX/2021 POST DATE XXXX  XX/XX/2021 PURCHASED BY XXXX XXXX MERCHANT CATEGORY PHOTOGRAPHIC STUDIOS
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

I am being charged for an insurance-related obligation. A company, Credit Collection Services ( CCS ), located at XXXX XXXX XXXX, XXXX, MA XXXX, and reachable at ( XXXX ) XXXX, has contacted me seeking payment for the alleged debt, which they have also reported on my credit report.
Product: Credit reporting or other personal consumer reports

This company is committing security fraud and identity theft for sharing my personal information and passing my security bond without my consent I'm revoking their power to do so remove from report immediately
Product: Credit reporting

I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX
Product: Debt collection

Discover filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. Discover should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine.

2. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out via phone to TD Auto Finance in early XX/XX/2019 to seek a payment extension as I knew it would be tough for me to make the next payment given the substantial money Ive spent trying to repair my flooded moldy home in Houston. I took the action they required, which was to pay the accrued interest to effect the payment extension. TD claims I should have mailed in a signed paper as step 2 to  effect the agreement. The attached shows that TD confirms on pg 1 that paying the interest is whats needed to effect the agreement. Pg 2 changes it to say sign here. In short, TD reported the account 30 days late which caused all 3 of my FICO scores to decline XXXX points. Ive begged them to not apply this false 30 days late and they refuse to even consider admitting their negligent error. 

Unfortunately, Ive been through this with other lenders and none has ever required a document to me sent in : XXXX XXXX, XXXX XXXX etc. matter of act, those lenders have never required the accrued interest be paid either, but thats not my complaint. 

Ironically, Ive sent TD Auto 2 payoff checks in certified funds, and they have yet to apply either check despite having the checks for over 7 days. TD clearly has operational issues.