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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Dea

r Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore  needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau. I am filing a third complaint concerning the previous complaint below. 

Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing. 

Response : STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for your inquiry and for allowing us the opportunity to address your concerns. Unfortunately, we were unable to speak to you directly by phone or leave a voice message regarding the details of your complaint. Our records indicate you called on XX/XX/2022, to initiate a dispute claim for three transactions totaling {$150.00}. Our investigation began immediately after the transactions were reported. On XX/XX/2022, our investigation finalized determining that no error had occurred. Upon the receipt of your recent inquiry, your claim was reopened, and the merchants provided us with sufficient evidence deeming the transactions as valid and the investigation finalized. We mailed you the compelling evidence on XX/XX/2022. If you have any questions regarding the transactions, we advise you reach out directly to the merchant for further assistance. We apologize we have not been able to deliver the resolution desired. 

The merchant was contacted ; I had inquired on the investigation that was conducted. I was shared that all the information contained was that the transaction was disputed. In addition, the email provided " XXXX XXXX will work directly with them moving forward '' leads me to believe that there was nothing conducted between the bank and the merchant. I was directed back to the bank concerning this. Also, there is nothing from Wisely Pay upon inspection of the address listed on the account. Please review their most recent email. I am not being told the truth and am filing a third complaint. Concerning this, there will be attempts to contact Wisely Pay directly. In addition, another Wisely Pay card was ordered. Wisely Pay is experiencing technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX  Account, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX 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 XXXXXX/XX/XXXX ;
Product: Credit card or prepaid card

Please note that I attempted to get my complaint resolved with the company before filing this complaint, via phone and email. Via phone I was denied the fee waiver by two different agents. And via email I was ignored, twice ... I have been a customer of Capital One 's for 2 years, and my credit up until recently has been 'Good '. Even now it's 'Fair '. Yet they have not once given me any other credit card offers that do not have an annual membership fee. I currently own two other credit cards that do not charge membership fees. Therefore I really do not need them at this point. So they can either waive the membership fee that they just charged to my account on the XXXX, or they can close my account ... Their response to my complaint will determine whether or not they value their customers.
Product: Credit card

{$450.00} prepaid annual membership fee was charged to a credit card that was already closed prior to the renewal date on my XX/XX/2023 statement. Citibank refuses to remove the charge and previously stated that it will be credited it back to my card after I pay it. They are requiring me to give them money I do not owe for services never provided, under threat of charging me addtional fees, interest, and ruining my credit if it is not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to TransUnion to remove the collection from XXXX  in the amount of XXXX . At first they did remove it but it popped back on my report 2 weeks later. This collection is not mine, it is not verifiable, and it needs to be deleted ASAP.
Product: Money transfer, virtual currency, or money service

( 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. ( 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, credit repair services, or other personal consumer reports

I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied TransUnion credit Bureau with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC to date, they continue to re-insert fraudulent information on my credit and I am in able to reach them by phone. I have to leave a message and I am told I will get a call back. 

I am requesting they remove address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I am requesting they remove the following fraudulent inquires ... they were not authorized and I don't have any accounts with the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX and the fraudulent phone number be removed XXXX TransUnion File Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information showing below is falsely reporting on my credit. 

1 ) XXXX/XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They said I have the following loans XXXX Loan XXXX XXXX, XXXX, XXXX, XXXX all of these on an Affirm Virtual Cards. I never received any paperwork or documentation of any kind. I never signed anything. I dont even know what a Virtual Card is. I just was getting text and e-mails saying my payment was due on the XXXX to text a code to charge these and just listed the last XXXX numbers of a credit card numbers which I dont having any credit cards with any of the the numbers they had listed. I thought this was a scam so I ignored it. They say these loans were taken out on XXXX. They started the texting and e-mails I believe it was either XXXX or XXXX. I didnt start paying attention to this until they reported to XXXX for delinquent account. I contacted them with the help of an agency I have a membership in called Aura. Affirm did a 5 day investigation and is still claiming these are my loans which is not true. I used an Affirm in the past to pay for a hotel in XXXX payments, but it was drawn automatically out of my bank account. This has already severely effected my credit rating on XXXX. I went from a XXXX down to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I went to the emergency just because I had pain in my ear, and on that day I asked several time if this visit will be covered by the insurance and they said yes. Then a month after I found out I received two bills one with {$720.00} and one with {$350.00}. Then I tried to call them many times to ask what is this amount while per my plan I should be paying {$250.00}.
Product: Debt collection

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile AMSHER COLLECTION SERV account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

company sent me bills and electronic sign up that i have no idea to whom it belongs, not to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged XXXX XXXX, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit card

XXXX I purchased a coat, coat didnt fit I returned it. Old navy confirmed they received jacket I waited over 30 days for refund. I get refund and old navy still knowingly goes into account in XXXX and takes {$250.00} after my balance was {$30.00}. We resolve the issue after flagging a problem with FTC. They refused to call me back until I had to threaten authorities to report them then I got a call back. THEN AGAIN AFTER THEY SEND CHECK AND EVERYTHING GOES AWAY THEY RECHARGE ME ANOTHER {$210.00} for nothing and it shows in my statement I never purchased anything for {$210.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a charge off on my file to transunion, XXXX and Experian. 

On the account, the date of last payment is reporting XX/XX/XXXX for XXXX and Experian and XX/XX/XXXX for XXXX this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within 5 days of receiving this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX  ( Bank ) : XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX  ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX ( Finance ) : XXXX XXXX XXXX ( Bank ) : XXXX XXXX XXXX XXXX XXXX  ( Finance ) : XXXX XXXX XXXX XXXX XXXX  ( Bank ) : XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have the same records. INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!