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

I been dealing with fraud on my credit files for years and Im just now cleaning it all up police reports have been filed and multiple complaints Im just seeing all these inquiries that Ive never gave consent too along with accounts open in my name that shouldnt be there. 

Fraudulent and no knowledge of accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, XXXX XXXX XXXX was contacted by me via certified mail requesting the following information which I copied directly from the letter : " I need the account, XXXX XXXX XXXX with account number XXXX, records blocked or deleted from Transunion, XXXX, and XXXX. You have no permission to report any records or information to these institutions without my permission. '' This account was furnished as late on my consumer credit report. My letter was received. Please see the attached certified mail number : XXXX. 

Moreover, on XX/XX/XXXX, I contacted Transunion ( XXXX ) via certified mail and with confirmation number XXXX on XX/XX/XXXX. XXXX was contacted on XX/XX/XXXX via certified mail, XXXX and on XX/XX/XXXX with confirmation number : XXXX. XXXX was also contacted in the same manner on XX/XX/XXXX, XXXX and on XX/XX/XXXX with confirmation number XXXX. 

Additionally, I specified XXXX XXXX XXXX had " 10 Days to Delete this account, XXXX, from all consumer reporting agencies but not limited to Transunion, XXXX, and XXXX. '' Not only the violation ( late information reported ) is still active and live on the institutions, XXXX XXXX XXXX has not replied to me via mail stating the violation has ceased. 

In the letter attached below, the receipt and and the response letter that does not respond to my request is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in the name of Clarity Services is doing nothing but running peoples credit by doing soft and hard inquires under names associated with clarity services or XXXX boost. Such as the following companies. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there Phico score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.
Product: Money transfer, virtual currency, or money service

This is the second attempt that has been made to move money from my brother 's bank acct at Wells Fargo XXXX XXXX XXXX XXXX, Virginia. The first transaction failed after bouncing around for XXXX weeks. The bank told me that they could not transfer USD to XXXX because my bank would not accept USD ( this despite having received several bank transfers without issue from other banks ). They instructed that we needed an intermediary bank. So, I arranged for an intermediary bank so that the funds could be sent USD to USD. XXXX details were provided to the employees at the bank, yet they sent the funds at XXXX. This error, once the funds had to be changed back into USD, equates to a loss of {$3700.00}. We have asked them to correct this error, but have had no response.
Product: Credit card

My card was affected by a series of unauthorized charges. Whoever it was, withdrew several hundreds on my checking account using ATM in XXXX XXXX XXXX XXXX location on XX/XX/year>. It also continues with my credit card with someone withdrew cash advantage at the same ATM on the same day twice with {$500.00}. I got charged with a cash advantage fee of {$25.00} two times.

I filed a claim with Wells Fargo regarding the charges since I had my card with me the whole time and I don't even live near that ATM location. Wells Fargo submitted my claim and refunded only once out of the two charges. However, today XXXX Wells Fargo said they denied my claim since I had my card and the activity could only be done in person. I asked whether they had research the location and check security camera of the ATM and investigate the suspect and they said they can't help. I reinstated that I don't live anywhere near that location and the amount of unusual activities but they denied and said it's out of the reach. They said the claim is now closed so I officially lost {$500.00} plus {$25.00} and all the cash advantage fees and interests I incurred during that time. 

I just want the charges to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 ( 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Equifax and XXXX to reinvestigate these accounts : Account name : XX/XX/XXXXXXXX {$1900.00} Account name : XXXX XXXX XXXX {$1200.00}, Account name : XXXX XXXX XXXX {$610.00}, Account name : XXXX XXXX XXXX {$620.00}. ACCOUNT NAME : XXXX XXXX XXXXXX/XX/XXXX{$440.00}. However, they stated everything was complete and accurate. But how is that possible, if date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit reports and noticed several inaccuracies and unauthorized accounts and/or information that has been reported on my credit. These inaccuracies and unauthorized accounts have been very detrimental to me and will continue to be to my future and credit health.
Product: Credit card

Purchase Date : XX/XX/XXXX, Amount {$700.00} Expiration Date XX/XX/XXXXXXXX  No payments from ENTIRE PROMOTIONAL PERIOD WERE POSTED TO PROMOTIONAL PURCHASE and when I requested the payments from XX/XX/XXXX and XX/XX/XXXX be posted to the promotional purchase, they refused stating it was against the law and their policy and the full payments could only post to the promotional period 30 ( thirty ) days from the expiration date. This I setting up the consumer to pay the interest as none of the payments for an entire year are allocated to the promotional purchase, so the consumer has 30 days to come up with the full purchase amount!
Product: Bank account or service

My bank statement reflects that on the XX/XX/XXXX a charge was made to my account bringing the total from {$14.00} down to {$2.00} cents. On the XX/XX/XXXX I checked my account to show that that very charge had XXXX overdraft fees. I spoke with customer service in person and they told me they would call after trying to get the transactions refunded. When they called they told me there was nothing they could do, and that the remaining overdraft waiver I had for the year had been added to the charge. After that I spoke with customer service again on the phone and they told me the same thing. I had money in my account and the transaction had gone through and yet they charged me an overdraft fee on it, using my money to instead pay a fee that was posted an entire XXXX hours later on XXXX. I know that this is n't ethical and if it is legal this is unconstitutional. I am adamant about getting this money back and will not hesitate to take legal action. I will talk to whomever it takes for as long as it takes in order for PNC to return the money they charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for 7 day free trial upon logging in to cancel I could n't find anywhere to do so, I left a message on XXXX XXXX ( handles fraud claims ) on XX/XX/XXXX approx time XXXX XXXX On XX/XX/XXXX I received message from a XXXX tele # XXXX stating she was calling to make sure the 7 day free trial was canceled off my bank card could I please give a call back. XXXX. Upon calling back she verified who I was my SS # and e-mail and stated she could n't find anything under either SS # or e-mail I signed up for, only thing I signed up for was a FREE CREDIT REPORT every month ; so do n't worry nothing would be charged to my card. I later checked my credit report only to find Experian had put a Medical bill back on my account which violates HIPPA ACT and my score has dropped 50 points. I have voicemail presently and she was very misleading. Along with ; has my bank card or is it going to be charged? I Stated on the XX/XX/XXXX on XXXX vm I  wanted my service cancelled Do Not Charge My Card!!
Product: Mortgage

My mortgage company reported me 30 days late on the first day of my loan. I applied for a mortgage with RPM mortgage, the company is also known as XXXX, XXXX. My loan closed on XXXX XXXX, XXXX. In XXXX, RPM sold my mortgage to XXXX. I made my first and all subsequent payments to XXXX. 
Since, I received a very high interest rate in spite of having a credit score of over XXXX. I decided to go for a refinance in XXXX, XXXX. When my new lender was running my credit check, I was informed that my refinance can not go through because I was late on my previous mortgage payments. 
When I checked my credit reports, sure enough RPM had marked me as 30 days late on my mortgage payments. The surprising part is that I was reported as being 30 days late on the same day that my loan was funded - XXXX XXXX, XXXX. For some reason, RPM had reported to the credit bureaus that my loan originated on XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. 
I reached out to RPM mortgage. The company keeps insisting that XXXX has reported me as late. I have shared my credit reports from all XXXX credit bureaus that shows that RPM is the company that reported me late. RPM is not taking an action to remove the negative information from my credit file. This has caused an unnecessary hassle for me and because I am unable to refinance it has caused a monetary loss for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Checking or savings account

I get my direct deposits from unemployment insurance every XXXX  night It is now Friday afternoon and still nothing! I am not the only one this is happening too and I am sure I am not the only one who is living check to check. I havent ate since Thursday morning, cant pay my phone bill, cant pay my rent & cant pay for food or gas! All Capital One bank responds with is they are experiencing a technical issue with a third party vender and are working around the clock to resolve the issue?? It is Friday afternoon this is has been going on since XXXX No notices before hand or even timely afterwords they didnt send me an email until XXXX last night after I already found out this was a nationwide issue on twitter ( X ) How does a consumer find out more about the issue on twitter than from the company? I need my money and I hope this does something to have some kind of positive outcome for myself and others in similar situations experiencing this devastating situation.
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 items 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 items. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine..please remove it.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. This marks my second attempt to address and rectify this issue, and it is crucial to resolve this matter promptly and efficiently. 

I initially contacted your company on to bring to your attention the delayed opening of my accounts. Despite my efforts and your assurances that the matter would be promptly addressed, the issue remains unresolved. I am disappointed that a second attempt to correct this issue is necessary. 

I kindly request that you take immediate and effective action to investigate and rectify this issue. I expect a prompt response, outlining the specific steps your company will take to address the problem, as well as a clear timeline for the resolution process. Additionally, I suggest reviewing your account opening procedures and streamlining them to prevent similar delays in the future. 

Failure to address this issue satisfactorily may compel me to escalate the matter further by seeking legal remedies and notifying relevant regulatory authorities. pLease assist me to correct the following accounts : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$51000.00}.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report inquiries I do not recognize and authorize for these companies to view my credit. 

XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was shock to see this account open on my credit report I never gave anyone permisson to use my credit to open any accounts this account is fraudulent please remove it of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following accounts that apeears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : aXXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$1900.00} Account numberXXXX b. XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1700.00} Account numberXXXX c. XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXX  XXXX {$74.00} Account numbeXXXX d. XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX  {$1600.00} Account XXXX e. XXXX XXXX XXXX Original creditor : XXXX  XXXX  XXXX  {$1500.00} Account XXXX f. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX  {$1700.00} Account XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Product: Credit card or prepaid card

I received an item that I did not order and the retailer charged my credit card. I disputed the charge with my credit card company, following their process. I provided all available documentation in timely fashion when my credit card company asked for it. My credit card company initially put a hold on the charge, but after a few weeks they removed the hold and said I must pay the charge because I didn't provide the documentation they requested. Because I actually had submitted everything they asked for, I called them by phone to appeal this decision. The customer service rep said he would have the case re-opened. However, several weeks later I have received no follow up from the credit card company. 

I need them to remove this charge from my bill. I did not order the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.
Product: Debt collection

Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the  XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.