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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXXear old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX is NOT MINE. I want it removed from my credit report. I tried disputing it from experian. My identify was stolen i even made a police report. I even called social security administration. I only owe 2 banks, XXXX XXXX, and XXXX XXXX. My report on XXXX XXXX, and XXXX XXXX have XXXX XXXX XXXX listed on collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX want all my personal information deleted that's not on my documents added.

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effectively take 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX continues to furnish information that is inaccurate debt on my credit report. Instead of XXXX lying about a investigation, They do not investigate and continue to keep a debt I do not owe on my credit report SPRING OAKS CAPITAL LLC I have sent a letter to for proof aswell as XXXX and they continue to not delete the inaccurate debt from my report, They also continue to send the debt to me in names that are not mine I am also attaching the wrong names they continue to use to keep debt on my report
Product: Debt collection

In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is XXXX XXXX XXXX , XXXX. They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that XXXX has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes XXXX has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX
Product: Credit card

I requested my credit report and I found that Best Buy Credit Card from Citibank is missing on XXXX, XXXX and XXXX reports On XXXX, XXXX, I requested the reports and this information was included on the XXXX bureaus report. 
I am worry about this issue, because many cards are missed on my credit reports from XXXX, XXXX and XXXX. 
I want to see this information on my reports and an investigation for this irregular issue. 
Attached the last credit reports ( XXXX bureaus ) that is including the information about this credit card. The XXXX  's report was reduced to download less than XXXX XXXX. It is incomplete. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have accounts on my report that do NOT belong to me. I have reached out to XXXX and they refuse to move it, KEEP stating that the " investigation is complete, reported by data furnisher '' but yet they don't provide me with anything. The Reinvestigation states " This item remained unchanged from our processing of your dispute in XX/XX/year> '' they have yet to provide me with all the information used in the reinvestigations and this is a violation per FCRA 611 ( a ) ( 2 ) ( b ) and FCRA ( a ) ( 7 )
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion for its repeated failure to properly investigate inaccuracies on my credit report. Despite my diligent efforts to dispute incorrect information, TransUnion has consistently responded within XXXX hours, asserting that the disputed accounts are accurate. However, these responses lack evidence of a thorough investigation, a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are obligated to conduct reasonable investigations into disputed information. TransUnion 's failure to fully investigate my disputes and provide substantiated evidence of the accuracy of the accounts in question is a direct breach of this requirement.

Furthermore, TransUnion 's actions violate the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S. Code 5536 ( 1 ), which prohibits any covered person or service provider from : ( A ) Offering or providing financial products or services in a manner inconsistent with federal consumer financial law, or committing acts or omissions in violation of such laws ; or ( B ) Engaging in unfair, deceptive, or abusive acts or practices.

By failing to properly investigate disputes and by issuing cursory, unsupported responses, TransUion has demonstrated unfair and unethical practices that negatively impact consumers.
Product: Credit card or prepaid card

To Whom it may concern, I filed a fraud report with Chase on XX/XX/2021 do to fraud charges on my credit card account. I did inform them that the last time I used my card was on XX/XX/2021. They refused to remove the charges dated XX/XX/2021, and stated they have approved of the signatures. They have not yet provide me with any proofs. 
I called the company multiple times to dispute the charges, I got hung up on more then 5 times.
Product: Checking or savings account

HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22. 
They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX  if the account is labeled as " XXXX ''. 

I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches. 
My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch. 
Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.
Product: Debt collection

I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.
Product: Debt collection

Even after disputing the debt for identity theft and it showing back up, the company refused to delete it, instead told me that I would have to go to civil court. I was told that even though I showed proof of the debt being a result of identity theft, they told me they wouldnt delete it unless I went to civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to CFPB complaints XXXX XXXX In my complaint, I indicated there are inaccurate or incomplete items appearing on my XXXX and Transunion credit reports regarding the account by XXXX XXXX XXXX XXXX Account # - XXXX XXXX  XXXX XXXX, XXXX  DC XXXX And as such the account should be deleted. 

XXXX failed to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Transunion fained to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Furthermore, the results of the investigation conducted by XXXX led to the deletion of the account. See below : ( Thank you for submitting your complaint on XX/XX/19 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your XXXX credit report. We initiated an investigation into the items and the results are below : Account # - XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DC XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your XXXX Credit Report, please refer to the mailed revised copy or visit us at XXXX XXXX XXXX or contact a Customer Service Representative at XXXX. 

Account # - XXXX The results are : This item has been deleted from the credit file. ) As a result I request that the item should be deleted from my report with both Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized Credit Inquiry by Stellantis FinancialXXXX I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Stellantis Financial/XXXX Inquiry Date : XX/XX/year> Alert Date : XX/XX/year> Business Type : FA Contact Information : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Stellantis Financial/XXXX  was made XXXX XXXX XXXX XXXX. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : This inquiry was conducted under misleading circumstances. The FCRA mandates transparency and proper authorization for credit inquiries, which were not observed in this instance. 

Violation of XXXX Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my XXXX XXXX and XXXX affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for XXXX : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I XXXX also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged multiple fees, in one shot, the fees didn't show up on the account until 2 or 3 days later, I was unaware of the fees, for using XXXX, because I was already charged and interest for using XXXX app, I never realized I was being charged fees for cash advance when I never took money out. It's XXXX dollars in fees recently and XXXX or more now because of these fees I never realized. I called but capital one said they could do anything about it.
Product: Money transfers

Basically {$500.00} was taken from my PayPal Account. I 've tried to report it as unauthorized but PayPal sided with the scammer. I did n't receive anything out of this ... No invoice, No receipt, No Shipping address. or proof of shipping. I do n't even know the what the product or service is ... 

According to PayPal : Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if : You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. 
Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal Seller Protection. The card issuer, not PayPal, determines whether a buyer is successful when he/she pursues a chargeback related to a card-funded transaction. 
You do not fulfill the transaction as promised or you can not provide proof of shipment or proof of delivery when required. 
eBay decides against you under its money back guarantee program ( and you have n't opted out ). 
Our investigation of a bank reversal ( sometimes known as an ACH return ) made by a buyer or the buyer 's bank finds that the transaction was fraudulent. 
PayPal sent the payment to you in error. 
The payment was unauthorized ( i.e., a credit card-funded payment was made by someone with a credit card that did not belong to them ). 
You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following : Accounts : XXXX XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$41000.00}. 
XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$19000.00}. 
XXXX XXXX XXXX XXXX XXXX auto loan account opened in XX/XX/XXXX, with a balance of {$22000.00}. 
XXXX XXXX XXXX, collections account opened in XX/XX/XXXX, with a balance of {$5300.00}. 
Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My parents both passed away. I was on the Deed of trust NOT the note. I have been making the payments since before they died. Home owners in ( XXXX ) they cancelled me. I had calif fair plan then found XXXX XXXX. I had to jump through major hoops to get approved. Water meter, house painted pool filled!! The premium is {$4000.00} a year! However I have the house listed for sale! 
This was mid XXXX. My agent called me and said they were having an issue getting paid. They were told the payment was mailed. It was not! XXXX kept billing them and nothing! Now I get a letter from XXXX they are cancelling me XX/XX/XXXX! I called my mortgage co last wensday and the people running the escrow would not talk to me. They transfered me to a life event person. He said it was because I was not on the loan he could not give me any info. Meanwhile send deed, XXXX deed, death certs and he will process in the next 60 days! I told him that won't work, sent info and now I wait! I am absolutely terrified they are NOT going to pay it in time! I'm so angry no one will talk to me! My agent is NOW telling me that because it is on my name they can call the loan due!!!! I'm desperate and need help!
Product: Credit card

On XX/XX/year>, I received two notices from Capital One stating that my credit card accounts ( ending in XXXX and XXXX ) were closed due to non-compliance with their Customer Agreement and the inability to verify the documents I had provided. After reviewing my transaction history, I found no irregularities or activities that violated the agreement. All transactions were legitimate, including transfers to and from family members for shared expenses, loans, and repayments. 

On XX/XX/year>, I sent a formal letter to Capital Ones customer service, requesting an explanation and offering to provide additional documentation to support the legitimacy of my transactions and the authenticity of the documents. However, despite this effort, I never received a response addressing my specific concerns. 

On XX/XX/year>, I received a follow-up letter from Capital One stating that my accounts had been closed and that I was no longer able to make transactions. The letter also referenced a previous letter that supposedly explained the reasons for the account closures, but I never received that communication. This lack of transparency and the failure to provide a clear explanation for the account closures has caused significant financial inconvenience and disruption to my plans. 

Actions taken by me : Sent a detailed letter to Capital One on XX/XX/year>, requesting an explanation and offering additional documentation. 

Maintained a consistent record of on-time payments and responsible account management before the closures. 

Tried to resolve the issue directly with Capital One through multiple communications. 
Actions taken by the company : Capital One closed both of my credit card accounts on XX/XX/year>, without providing a detailed explanation. 

The company claims to have sent an additional letter explaining the reasons for the closures, but I never received this communication. 

On XX/XX/year>, they sent a letter confirming the account closures but failed to address my specific concerns or provide any new information.