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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
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 items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Open Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Address Correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I opened an account and deposited {$10000.00}. I then travelled. While traveling, I became ill. A debit card that was sent to me was lost. The bank then froze my account and refused to return the money. They have engaged me in lengthy conversation that have taken up to sixteen gourds of times. They have submitted me to painful humiliating conversation. They caused me to miss opportunities, miss trains which caused me to not be able to return to y resting place and stay in the street all night. They have led me to exhaust my phones battery again and again so that I have been in vulnerable, dangerous situations. If I am robbed tonight its because I have been stranded and lost in an isolated place because of their abusive, exploitative, irresponsible and inhumane policies. The refused to take my medical condition, my geographical, my gender and consequent into consideration. They refused to allow me to speak to a supervisor and repeatedly disconnected me causing me to have to call back again and again and again. I have been forced to call at least 26 times today. They have inhumane policies that they claim prevent them from helping me expeditiously.
Product: Checking or savings account

On XX/XX/2023, three days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution.

A so-called " review of potential security concerns and/or irregular activity '' is unrelated to the customer 's actions. It appears the suspension was imposed almost three weeks ago intentionally to discourage or restrict customer complaints.

I am requesting Bread Financial to promptly lift the suspension on my CD accounts without valid reason. If this is not done, I will have no choice but to escalate the matter to higher regulators.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have tried to increase my credit limit several times with XXXX XXXX. They have given me several reasons:1 ) my balance on the card is too high 2 ) my credit score wasnt high enough and now they said I dont use the card enough. I worked hard to lower the balance and increase my credit score and now they say I dont have enough activity on this card when I just used it twice this month. The company constantly sends me approvals for other cards and asks for me to open a new card when I go inside the bank, but when I ask for a credit increase I get denied. The purchases I make are expensive and the reason I dont use this card often is because the cards balance is too low for the cost of the items I purchase and they take too long to make my funds available after I make a purchase. On XX/XX/XXXX, I made two purchases that totaled over {$2100.00}. My limit is {$3000.00}. I paid the balance in full on XX/XX/XXXX, but I was only given the available balance of {$800.00} until yesterday XX/XX/XXXX. The next item I needed to purchase was a bedroom set for {$1200.00} but I couldnt because I didnt have enough money available on my credit card. My roommate, a white male who have a lower credit score than me, makes less then me, and have more debt was able to make large payments from a separate bank, the same as my own, and have his funds made available right away. He applied for a credit card increase with a XXXX credit score, lower pay, and an almost masked out card from XXXX XXXX and was approved immediately. Im an XXXX American woman who makes six figures, with XXXX credit score, who has never missed a payment and have done everything I was asked to increase my my credit limit and they came up with a another reason to decline me that doesnt makes sense other then they dont treat XXXX people fairly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a statement was generated for XXXX with a missing credit card disclosure term. XX/XX/XXXX the company report to consumer reporting agencies a less amount XXXX, their is inaccuracies and potential errors using the accounts. There has been failure to correct and complete the present value term by working together for benefit of creditors. It has caused an unfair surprise and I am seeing greater potential for the use of rights to determine the true real meaning of the credit statement. In the beginning there was mistakes, now theres potential to add more important information and has been a failure to perform using the future payable. My heart desires that the collectively could work together as one to align with gods plan for everyone that all needs are met.

Sincerely
Product: Prepaid card

LAST YEAR I HAD FILLED A DISPUTE FOR THE PURCHASE OF A {$200.00} VISA GIFT Card which when i went to use it the money was not there because there was some group of people going around tampering with the gift cards it was a fraudulent investigation that took place after i was denied for a replacement so once their investigation was complete they found that there was a bunch of other people that had been victim to this so so XXXX gift card services opened up a lines for those that had lost their money to call for replacement cards to the value of what was stolen but they did not call or email me to reopen my dispute and replace my amount that i had lost which was {$200.00} it took for me to file a complaint with the XXXX XXXX gift card approved my dispute after the cfpb was involved however they sent the replacement card to my old address which i have moved from that address 6 months ago by the time i found out they would b XXXX sending me this replacement card the one they sent had already been delivered when i checked the tracking number that had to call to receive they did not reach out to me and ask me if i still lived at the same address being that it was a year ago when my dispute was filed and denied I called them and told them i did not receive the replacement card as soon as i found out it was delivered to the old address and just like my experience with their customer service in the past I get no where XXXX telling them the tracking information that was given says it was delivered i called XXXX they said it was delivered and they steady telling me it will take XXXX business days before the card is delivered and that it has not been delivered when it has. This company is the worse to ever deal with is why i chose never to purchase another visa anything because if something goes wrong you will not get the customer service you deserve and the employees can barely speak XXXX. So I have to pull my last feed because they have not provided me with my replacement {$200.00} visa gift card so as of now XXXX still without my Money i lost over a year ago
Product: Checking or savings account

Hi my Name is XXXX XXXX XXXX Last year we were in touch due to I was a victim of fraud. You came to the conclusion that it was not fraud and that it was me. I have just got back from my detective and he gave me a new report. He sent my case out to the county and with there help they were able to get to the bottom of the case. Attached is the original copy of the report from when it was filed and as well as the new one I received today. It has all the information that was needed to prove that my money is owed to me and they also stated that you as a bank are insured for things like this. In the report you will find all things that prove it was not me.

As you will see in the report the scam originated outside the country and that's where they traced the money to. The woman is a real person however they stole her identity to help facilitate this scam. As you will also see on page four your bank has not been very forthcoming. My Detective was referred to the online division of Santander and my detective sent the subpoena request to XXXX XXXX where after one month then he received XXXX spreadsheets after he revied the spreadsheets, he saw that none of the fraud charges were listed. 
My detective and I feel the attached police report proves these charges were not made by me and therefore under your banks insurance I should be reimbursed. I appreciate you taking the time to review this issue again and I look forward to hearing from you with a positive outcome. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Santander Bank, N.A. 

Dear XXXX XXXX XXXX Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit . 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the entity you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are closing your case with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Website : XXXX XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to XXXX - Equifax - and - XXXX I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to XXXX Equifax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Credit card

My complaint is with synchronicity Bank they have continually reduced my credit limit due to no fault of my own I have always paid my bills on time and normally more than what the amount due is they are reducing the credit line so it keeps my debt to credit ratio high so they can charge their exorbitant amount of interest and shows that I do not pay my bills for which I do this is deceptive and unfair to people who work hard every day to pay their bills to have a credit card company make their credit report lower than what it should be because they pay their bills and if you share this with them I will be looking into starting a class action lawsuit against them for credit manipulation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX1 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you
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 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, credit repair services, or other personal consumer reports

Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against XXXX XXXX XXXX and Credit Control LLC. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( XXXX XXXX XXXX. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.
Product: Credit card

I refunded a XXXX XXXX  purchase from Apple with their Apple card by Goldman Sachs. It was purchased with a 12 month installment with them, I already had an ongoing installment for XXXX  XXXX  with them. I wanted to pay off the card as early as possible because of why I was making more payments every month ( also paid off XXXX month of XXXX pro before returning it ), some of the refunds went towards total card balance, some of them went to total available balance and what not. It's so confusing to me as a XXXX XXXX student, I have no idea how others would do in the same case. 

Details : I bought a XXXX XXXX on XX/XX/XXXX ( {$3100.00} ) and was charged for the tax along with it ( {$300.00} ), they sent their 3 % cash back on their Apple cash account ( {$95.00} ), and I returned the XXXX XXXX on XX/XX/XXXX and they refunded the tax charged ( {$300.00} ) and the total amount ( {$3100.00} ) while charging me for the daily cash they gave me ( {$95.00} ) on my Apple card, since they gave that to me when I got the XXXX. The statement for XX/XX/XXXX say that on XX/XX/XXXX, I got dispute credits for {$360.00}. 

During mid XXXX, I opened up a dispute since the total available balance on my card wasn't matching with the available balance and total payments made, it was such a mess for me to understand, had to make a lot of calls to Goldman sachs apple card support team, and they opened a case for me on XXXX XXXX, XXXX ( I have an email confirmation for this ) Still no reply for the same case on what happened, as of XX/XX/XXXX. And today when I checked my statement, Goldman Sachs or Apple, they have charged me on my Apple card for the same amount on or around XXXX XXXX, XXXX - {$360.00} ( according to the Goldman sachs Apple card support ) ( I have no way to check the transactions made on my XXXX  device since I stopped using an XXXX or XXXX, it's that bad for consumers ). What credits did they gave me on XX/XX/XXXX? What is the resolution of my dispute made? Why was I charged back on/around XXXX XXXX, XXXX?
Product: Checking or savings account

On XX/XX/2021 an order was placed on a pay pal account by a company from XXXX. ON XX/XX/2021 Pay Pal was contacted because money was withdrawn from my account and no merchandise was received. Pay Pal was unable to provide any tracking number because no order existed on that date other than the XXXX company that had a fake number and email address. My bank was contacted who took over the investigation and they lodged a complaint on XX/XX/2021. Pay Pal provided false documentation from XXXX XXXX stating that some merchandise was sent to my home with a fake tracking number for XX/XX/2021. I contacted XXXX XXXX and the tracking number did not match my name or address. I contacted Pay Pal and they continued to lie to me and provide false information and continued to disconnect me from the calls. I then participated in a three way conversation with Pay Pal and XXXX XXXX  in which Pay Pal admitted to providing the false documentation about XXXX  XXXX and that no merchandize was sent to my home and yet they still charged my account. Pay Pal stole {$79.00} from my account and I want it back!