23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from Transunion and Equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from Equifax and Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion and Equifax to mark these inquiries as fraudulent and remove from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A fraudulent credit card was taken out in my name. 
My XXXX score dropped. The account was a credit card opened overseas and its fraud.
Product: Checking or savings account

Alliant Credit Union is engaging in consumer-exploitive practices to increase their interest profits by placing excessive holds on deposits. They have a pattern of abusing exceptions to the XXXX  XXXX act to increase hold times. I have used Alliant solely to wire my rent monthly since XXXX as the wire process can be completed by docusign rather than wet signature. This is important for timely payment of rent as I travel frequently in my job which can delay providing a wet signature for a wire. On XX/XX/XXXX I deposited a check for {$600.00} with Alliant which was to be a portion of funds to pay my rent. On XX/XX/XXXX I could see that the funds had cleared the bank of origin- my XXXX daughters account. On XX/XX/XXXX I proceeded to initiate the wire transfer of {$4800.00} for my rent, but after completing wire security was informed that funds could not be sent because a hold had been placed on the {$600.00} deposit until XX/XX/XXXX. They transferred me to the hold department and would not release the hold. This hold is excessive and not compliant with XXXX  XXXX XXXX. No funds have been made available. They did not make {$200.00} available on the first business day and {$600.00} by the second business day. As far as I can ascertain, this check and my account meet none of the criteria that would allow an exception to XXXX  XXXX to place a longer hold. The reason given by the bank is that names dont match. My name as written by my daughter on the check matches my signature on the bank and the name of my Alliant account. They have not been able to justify the hold further or explain what discrepancy in names exists. We know they have had confirmed funds since XX/XX/XXXX. This is a pattern with Alliant. Over the last 4 years, I have noticed longer holds being arbitrarily applied, even to ACHs not just checks. Sometimes they lift them with pushback. This time they didnt. When credit unions exploit and misapply exceptions to XXXX  XXXX funds availability, it has tangible financial consequences for consumers. Consumers may incur additional interest on other obligations that they would have paid sooner if funds were available, may incur late fees on other obligations due to arbitrarily long holds on funds availability, may incur overdraft fees, or in my case may have their housing endangered due to inability to make timely rent or mortgage payments solely due to illegal or illegitimate holds on funds availability. I am a single mom with XXXX kids, XXXX XXXX XXXX XXXX XXXXXXXX. Despite having a high paying job, my rent is late solely due to Alliants consumer-exploitive practices and violations of XXXX  XXXX in pursuit of higher interest profits from preventing deposited funds from being spent or withdrawn.
Product: Credit reporting or other personal consumer reports

I have a false delinquent account listed with Barclays. After explaining that my credit card was stolen and misused, which prevented me from accessing my payment account, Barclays assisted in closing the account. However, the negative notationsspecifically the late payment statuses from XX/XX/year> and XXXX XXXX incorrectly appear on my credit report. When I contact customer service, Im informed that there are no late payments on the account, which is reported as being in good standing and now closed. When I request supporting documentation, they promise to send it, but I only receive letters stating that Barclays can not provide the requested information. Despite reaching out to customer service, the fraud department, and the Office of the President of Card Services, I am not achieving any meaningful results.
Product: Credit card or prepaid card

I have been in contact with CashApp support over the past few weeks on 2 merchant refunds that were issued by XXXX to an account I had closed back in XX/XX/2020. XXXX XXXX is the issuer of the prepaid debit card in which CashApp calls CashCard. XXXX refunded {$55.00} and {$320.00} to the debit card in XXXX and XX/XX/2020 respectively. 

I was told initially by CashApp that since my account was closed, the refunds would be returned to XXXX. I contacted XXXX last week and was told that the refunds were never returned to them and in most cases the bank will issue a check to my address if the account is closed. CashApp refuses to help me and instead insisted that I verify my identity by providing my $ XXXX from the account that I closed along with other information such as phone number, email address and mailing address associated with the account in which I was able to provide. 

They have also refused to tell me their policies for merchant refunds to a closed account. It would appear my money is inaccessible and CashApp is giving me the runaround. I have notify them that I will be filing a complaint if several solutions in which I have offered is not executed. I can't believe the obstacles I have to jump to verify my identity on a closed account. From a legal perspective, $ XXXX is not a verification criteria. I have provided my full name, mailing address, email address, and phone number along with the last 4 digits of the prepaid card. I would be happy to provide my social security information if needed to get this resolved.
Product: Bank account or service

Open an account during their {$400.00} bonus promotion. Completed all the terms and yet to receive the bonus. First time I talked to them they opened an investigation and it was verify that I completed all the terms and to wait. Two months later I talked to them again and now they 're telling me they will open another investigation and to wait again. The term was to deposit {$15000.00} into a new account for 30 days and the bonus will be deposit in 90 days. I completed the {$15000.00} deposit on XXXX/XXXX/2016 so I should have received the bonus around XXXX2016.
Product: Credit reporting or other personal consumer reports

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX- Account Number_ XXXX Original Creditor_ XXXX- Date of Alleged Late Payment_ XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've taken the liberty to look through my credit profile and noticed that my accounts had quite a few errors on it. I saw that I was 30 days late on some of the accounts attached and I've never been late on any of my payments and disappointed that this has happened after carefully been avoiding that from ever happening. I don't know if this was a clerical error or some fraudulent activity is happening but I would greatly appreciate if this matter can get handled.
Product: Vehicle loan or lease

I got a loan from Santander back in XX/XX/2016 for a vehicle. The car value was close to XXXX, but I already had a vehicle loan with a XXXX income. I was quickly approved and left the dealership 30-45 minutes after arrival. I was past XXXX XXXX and I was the only client that had been holding up the reps at that dealership. I recently just disposed my paperwork with Santander, but I do have proof of business with them through email notifications. One time they tried repossessed my vehicle, when I picked it up, the hood of the car flew off not even a minutes after leaving the lot.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your urgent attention the inaccurate and misleading information currently being reported on my credit profile. After a thorough review, I have identified several errors that are not only incorrect but also a blatant violation of my privacy rights.
Product: Debt collection

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted Chase VISA this morning and found out the problem was that Chase had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to Chase this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. Chase accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by Chase and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to XXXX twice but have not been able to review the results of my dispute.
Product: Debt collection

Over the last 20 days, the average calls per day is 7. 
Calls are made at all hours. Some at XXXX, some at XXXX. 
I have called them and asked them to stop calling. They say they will, but it continues. 
They use abusive language, threats and curse words, even after I tell them that they have the wrong number. 
I verified my number is on the DNC list and threatened to file a complaint. They laughed. 
Please help Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that Equifax and XXXX are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Alleging Creditor and Account as is reported as having a late payment my credit report : 1. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX 2. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against XXXX XXXX XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. XXXX XXXX is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. XXXX XXXX did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. XXXX XXXX repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from XXXX XXXX. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children XXXX XXXX would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and humiliation from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession XXXX hours. I had to borrow money to regain my car and payback high interest on the loan. The response XXXX XXXX gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, 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 OF XXXX XXXX, XXXX XXXX XXXX, has violated my rights 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
Product: Debt collection

I have thoroughly reviewed my most recent credit report and noticed several accounts that I did not approve and believe to be added in error.
Product: Credit card or prepaid card

I received a letter from department of Treasury stating that they deposited a refund in the Amount of {$4200.00} to my account which include may account # and routing # into South StatXXXX Bank N.A. I was informed to first contact the bank in which I did. However I have had NO help at all with finding my funds. I was told that they are not able to find any thing with the account # nor social that I gave them. I had this card through my payroll at work so I'm not sure why everyone is saying they can't help me. I have been using this pay card to load my refunds on in the past. I have also contacted the XXXX because I don't no who else I can contact for HELP. All of the docs that I provided is from the times I had money deposited into the card. The letter from the IRS is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Bank, XXXX has violated my rights. 
XXXX Bank, XXXX has violated my rights. 
XXXX XXXX Bank, XXXX has violated my rights. 
XXXX XXXX Bank, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

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
Product: Debt collection

The credit bureaus reports the account has a {$0.00} balance and I have paid off the loan. However, the account still reports as a charged off account and it is closed.
Product: Checking or savings account

My Citibank account has been compromised from XXXX XXXX. 
Balance is approximately {$4.00} XXXX. This is a single name account with NO authorized person 's. 
I'm a victim of Identity Theft/Fraud for the past 3 years. Otherwise known as takeover fraud/theft. 

All of my identifying information & legal documents were stolen from my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on XXXX XXXX under my name, Social Security number & birthdate. 

For example XXXX XXXX XXXXXXXX has {$7.00} XXXX, Citibank has {$4.00} XXXX & XXXX XXXX XXXX was approximately {>= $1,000,000} I have a list of names of people involved. They have threatened me, harassed me, XXXX me for the past years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has continued here in XXXX. 

While I was in Texas I filed 10 police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats & several FBI Ic3 reports. Sheriff report filed in Florida XX/XX/XXXX. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/fraud. 

I've filed several complaints with the FTC, Ic3 FBI online systems, most recent : FTC XX/XX/XXXX ref # XXXX FTC XX/XX/XXXX ref # XXXX FBI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check in the mail for XXXX. It was suppose to be for car advertising. XXXX for first week pay and the rest for the techicion to put XXXX logos on my car. I deposited the check into my wells Fargo checking account on Saturday XXXX the the XXXX. The banker gave me XXXX at that time as a courtesy. The rest would have to be cleared before it became available. Which was Tuesday XXXX the XXXX. When the check was cleared on the XXXX. I was instructed to take the money out of the account for payment to the techicion. I sent it as XXXX gift card as instructed. The techicion was supposed to come out on XX/XX/XXXX at XXXX. He never showed up. Then at XXXX my bank card was declined. So I called the bank and occurs my account was over drawn by the amount of the check. So it was a fraud. Now I believe that I should have to pay back the XXXX cash the banker gave me on the XXXX. As a courtesy. But the XXXX. Is there falt. They held the check until Tuesday XXXX to be shore that the check went through. Then they made it available to my account. Now they want me to pay the XXXX plus fees. And that isn't right. Again. I believe I should have to pay the XXXX cash given to me on the XXXX that they gave me out of courtesy. But the rest is on them. For if they would have been doing there jobs for those 3 days it was on hold to make shore the check was real and go through before they made it available like they were supposed to. For that is the whole reason of them holding it. I would only owe them XXXX. And the name of the company that wrote the check is sticker ride as team. And obviously there a fraud.
Product: Debt collection

I contacted the debt company over a year ago to find out what they were trying to collect on and they said it was Care credit which I paid back in  XXXX  or  XXXX . I contacted care credit and they said I had a  XXXX  balance and I said I needed paperwork from them for proof for the debt collector. I never received it and eventually moved. I never heard from the debt collector again so I figured it was squared away, but it 's still showing on my credit report.
Product: Debt collection

Tried to consolidate loan with company and they closed my account anyways and send it to collection. I kept getting repeated phone calls and letters from company trying to collect debt.
Product: Checking or savings account

Usaa continues to lock me out of my account beginning in early last week. They sent a text message while I was on a call with a team member from Usaa address a dispute stating they were restricting my outgoing transactions for fraud activity. Prior to speaking with the current representative at the time I was fully verified and was transferred to the representative who exemplified poor customer service and male representative ifentifying himself self as a chief petty officer for this bank. In several repeated occasions and continuing to this fate my account access and the ability to service my account has been denied and I have reported these concerns to XXXX on the advocacy who refused to investigate the issue. This evening at XXXXXXXX XXXX my account acccess was revoked again for the same said security flag for unauthorized access to my account for something from XX/XX/XXXX & XXXX XXXX I spoke with XXXX AND XXXX From the security team whom verfied who I was and sent a code to my phone to validate I was the indeed owner of the account. I was refused to speak with a supervisor and Im still without access to my account. I continue to be harassed by members of this bank from various departments and my account continue to be tampered with by the same. The lied and stated it was an auto lock on my account by the same for alleged security breach on my account for something that occurred approximately a month ago as of XXXX XX/XX/year>. XXXX proceeds to request me to provide him security codes to my account from previous request and versus him doing his job to validate when he then reviewed my account showing I had spoke with several members on this date with no problems access my account.