23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for credit card and was asked if I wished to do a promotional balance transfer prior to submitting application. I accepted and put the amount to pay off credit card balance, upon submitting application I was only approved for a lower amount in which I had no interest in accepting. I called company and stated I didn't want their offer within 24 hours. It's now 10 days or more later and I receive letter stating of a balance transfer for XXXX dollars and a fee added to it, I never authorized a balance transfer for XXXX dollars and a extra fee. The card they sent it to is now in a negative balance because I paid the card off myself. I still to this day don't have a credit card from this company and they also decided to do a balance transfer for a amount I never approved of. I called them today XX/XX/2019 and was told they're allowed to do whatever they want and charge me for it. It's also my responsibility to get them their money back according to them. Any help resolving this problem would be greatly appreciated. The letter states the last 4 digits of account is XXXX, wells fargo, XXXX XXXX XXXX, XXXX XXXX IA, XXXX. XXXX dollar transfer with a XXXX dollars on a account that is in the negative now. 

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

SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$760.00} How can you say that this account is verified when Im still seeing inaccurate information being reported?. This reporting is incomplete.
Product: Checking or savings account

On XXXX XXXX XXXX my wallet and phone was taken from my car. I called and informed Chime because my SSDI payment was to go to the bank they cancelled my Chime debt card and issued me a new one due to arrive around the XXXX of XXXX. On XX/XX/XXXX I was able to regain access of my chime acct after my new phone arrived and I downloaded the app. On that day my life partner of XXXX XXXX XXXX who I share a child needed to pay bills in my house so I gave her access to my chime account by giving her my password and user name also a XXXX digit code that was sent to my phone she transferred {$700.00} dollars to herself to pay bills I received a email about this and I confirmed that it was me who did this transaction. The next day I'm in XXXX buying food for my children with the last amount of money I have only to discover my acct is blocked and I have no access to the last {$260.00} in my acct. I leave the store immediately calm chime only to be told without a valid id I will not be able to get my money so the next day I closed my acct with the understanding that chime had XXXX calendar days to refund my money back to me that date would be XX/XX/2024 i called to chime on XXXX XXXX to inquire about my refund and was told my money was still in my acct and did I want to reopen the acct so I could have access to my money because they were not able to meet the XXXX refund I asked if that would work I spent all day being lied to hung up on only to not have any money and the account isbnot open. Because of the lies and deception my kids went without enough food this month I want chime to have to pay my and and a {$100000.00} penalty for failing to follow a court order and lying to me about the return of my money
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to furnishers accepting unreliable responses and failing to adequately notify consumers to dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to complaint about there being so many addresses and names on my credit report that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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: Credit card or prepaid card

I have excellent credit and had this OLD secured credit card from capital one. I decicded to close it over two months ago. They assured me they would refund the secured payment of {$500.00}. Two months later it is still not refunded. Today I called and talked to Capital One ( call recorded for review if you need it ). They are saying that a refund will be issued in two more billing cycles because " the account was under investigation ''. There is nothing to investigate, there has been not transactions for over a year. They are just holding on to a secured deposit and this is a crime or in the least a fraud. I want this company investigated. I am releasing the audio recording to the media as well as filing complaints everyone including with the US Secret Service. Someone in management needs to competently respond to this. Regarding account ending in XXXX. As you can see in attached screenshot from their website it says it was refunded on XX/XX/09. I talked to XXXX on Fraud Protection and talked XXXX who refused his last name but gave an ID XXXX a manager at Capital One. He refused to discuss further as he said he can not authorize further recording of the call, yet he said they were recording call. What a joke of a company that is committing a fraud.
Product: Debt collection

Hi FIRST CREDIT SERVICES ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

You lied and said I never submitted proof of identity so you denied my data breach/ identity theft request. That is a lie. Please block all the account stated in my dispute letter from my credit report immediately since XXXX business days already passed or we will be pursuing litigation. CFPB already informed me that yall have been illegally doing this for years. They also informed me that I should sue you. Please dont make this necessary. I have already lost over {$10000.00} due to this reporting to my report inaccurately due to data breach. XXXX XXXX finance was Also illegally reinserted without properly informing me within XXXX business days and providing proof of validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the XXXX bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these XXXX authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On Thursday  XX/XX/XXXX  I visited the local Wells Fargo branch in  XXXX , VA with the intent of completing a routine deposit transaction. The teller assisting me stated she was unable to deposit the check because it was made out to an individual and this was a business account. I asked the teller to review the account because the check has been deposited several times she became combative and said NO I dont need to. She proceeded to say " try  XXXX  where you belong '' I asked for the manager  XXXX  came over and nonchalantly said we ca n't help you. I asked for his manager, he replied " your wasting your time '' and he will not be available until after  XXXX . I insisted to obtain the information, he laughed and walked away. I took a seat in the lobby waiting over 15mins for him to return with the information. Upon returning without the information he asked if I ran " 1 of those home health care businesses '' I replied no and asked for the information again. He did not provide the information and stated they can not assist people like me. I have never felt more disrespected, and discriminated against.
<P/>
How can your complaint be satisfactorily addressed?
Have the check and transaction reviewed and accepted as it has in the past. The entire branch staff needs training on discrimination and check deposit policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report in my. despite my submissions, XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing and evidence of a thorough investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. further more, XXXX 's and experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) - ( b ), as highlighting in the CFPB 's recent Administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with federal law and provides consumer with necessary proof of investigation. here are the accounts that I have marked as inaccurate. 

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

Equifax will not tell me how 11 inquiries got on my credit report. In addition, despite numerous efforts they have not deleted my ex-wife 's address which caused these fraudulent inquiries and collection accounts on my report.
Product: Credit card or prepaid card

I have a credit account with an app called Grain. It's a type of " digital credit card '' and I have reached out to the company through the channels they provide through their app - which is exclusively email. I got an automated reply saying they would get back to me within 2 business days and I have yet to hear back ( 4 business days ago ) I have asked for my account to be closed and they have not closed my account nor-acknowledged my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this company 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

In XX/XX/year>, I requested a copy of my promissory note via the American Education Services website. I never received the promissory note. I owe more today than when I took out the loan in the early XXXX. I have paid more than the original amount of the loan. I need relief.
Product: Mortgage

Not getting confirmation regarding closure of this HELOC. Do they need any more information, did they get what was needed? I sent them the closing amount that was quoted to me by them via wire transfer from my bank on XX/XX/ for {$7700.00} no response, I sent them the HELOC authorization agreement via their email, no response. I asked them if they received everything or needed anything else, no response. Just an acknowledgement and estimated closing would be nice. I came here to see if this would help them move on this. It's a small amount but this house is all I have and I feel like they are dragging their feet to find a way to not complete the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct reference # 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: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/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
Product: Debt collection

Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.
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 customer financial protection act. 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 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

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX and the credit reporting agencies for inaccurately reporting a lease-related account on my credit file. 

In XX/XX/year>, my father unexpectedly passed away. I informed XXXX XXXX XXXX leasing office that, due to this tragic event, I would not be moving into the apartment. 
Despite this, they have continued to report a lease or balance under my name, even though I never took possession of the unit or resided there. 
This inaccurate reporting is negatively impacting my credit, and my previous attempts to dispute it directly with XXXXXXXX XXXX XXXXXXXX and the credit bureaus have not resolved the issue. 
I am requesting an investigation and the immediate removal of this account from my credit report. 
Resolution Requested : I request that XXXXXXXX XXXX XXXXXXXX cease reporting this account and that all major credit bureaus remove it from my credit report due to its inaccuracy. 

I can provide the following supporting documentation, if needed : Communication records with XXXX XXXX XXXXXXXX ( I can provide a call history log if required ) Proof of my fathers passing XX/XX/year> ( available upon request ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

XXXXXXXX XXXX XXXX XXXX never opened this account this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

Have continued to have full coverage of insurance on our house, we are waterfront and carry, hazard, flood, and wind insurance. Received letter from Provident Funding about 4 weeks ago saying our wind insurance had expired. That was untrue and had our statefarm agent call them and then fax a copy of deck sheet showing them as mortgagee. 
We received another letter today claiming wind coverage had expired and with the letter they had FORSE PLACED COVERAGE. 
I called my agent and she has documentation saying they were given the information requested, She again called them and they finally found the documentation sent several weeks ago. They told the agent they would resend the new policy they had written.