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

TRANSUNION, XXXX, XXXX HAS FAILED TO REMOVE ALL THE NEGATIVE ACCOUNTS FROM MY CREDIT REPORT. ALL BUREAUS HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING NEGATIVE ACCOUNTS DUE TO UNAUTHORIZED CHARGES.ALL XXXX BUREAUS CONTINUED TO REPORTING THE NEGATIVE ACCOUNTS, ANDTHIS INACCURTE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEDAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION.
Product: Checking or savings account

Our XXXX passed away XXXX. Since receiving his XXXX XXXX, we have been trying to have remaining funds in his Chase Bank checking account released to me and my XXXX sisters. I am POA on the account. All of us are Beneficiaries on the account. XXXX released his XXXX account funds to us but refuses to release his Checking account funds because they said there XXXX be additional automatic deposits that would need to be refunded. XXXX had automatic deposits from his XXXX, Social Security and XXXX XXXX. All three have been notified of his passing and stopped so XXXX needs to release the remaining funds in the checking account. We provided all requested information to XXXX ; however, even after multiple calls and in-person visits, they are still not releasing funds from XXXX 's XXXX account so we need your help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOST OF FRAUDULENT INQUIRIES Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX Equifax 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 Equifax 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 CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

XX/XX/2019 I made a consumer credit transaction with auto dealership XXXX XXXX I received a finance charge of {$74000.00} and amount finance {$9600.00} I was Financed through company by the name Exeter finance. According to the Truth in Lending pursuant to 15 USC 1605 determination of the finance charged Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction SHALL be determined the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXXExeter Finance made me pay {$1000.00} for a downpayment. The Finance Charge is the sum of all charges their wasn't supposed to be a cash downpayment. The finance charge also includes my insurance pursuant to 15 USC 1605 The finance charge is the sum of all charges and also includes premium ( insurance ) XXXX XXXXExeter Finance made me get my own insurance. Pursuant 15 USC 1635 The Right of Recession disclosure was not disclosed nor in the agreement. Pursuant 15 USC 1601 Congressional and declaration of purpose. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX /Exeter Finance are in violation of the Truth and Lending Act by willfully and knowingly not disclosing this information and i hold them liable for not disclosing this information to pursuant to 15 USC 1611 and pursuant to 15 USC ! 640 I have exhibits showing their noncompliance in the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a missed payment that XXXX XXXX  reportedXX/XX/XXXX. I sent proof of payment to XXXX verifying that the payment was not missed and they notified me that XXXX XXXX assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/XXXX. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with transunion and XXXX with she same incorrect information not removed.
Product: Credit reporting

On XXXX XXXX XXXX sent a letter to XXXX XXXX dealer service and the XXXX major credit agencies certified. In the letter I asked for a detailed explanation of why I owe the balance that is listed on my credit. As of today I have not received anything however equifax did remove the account from my credit. Transunion and experian disputed the wrong account which I specifically asked which account I 'm disputing.
Product: Money transfer, virtual currency, or money service

i am filling 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 measurements 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 the violations.
Product: Credit reporting or other personal consumer reports

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from XXXX, Equifax, and XXXX in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, 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 Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed 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 XXXXXX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit card or prepaid card

I had a {$2000.00} line of credit with Upgrade that was never used. The account was opened sometime in XXXX. My card had been locked up in my safe and no one had access to the card. About 2 weeks ago, I received an email alert from my Upgrade account stating there was suspicious activity. When I checked the account, there were two fraudulent charges on the account. XXXXe fell off, the other posted and Upgrade eventually provided a permanent credit because it was a known scam. I decided to close the account as it was no longer needed and too much of a risk to leave open. I contacted Upgrade by phone about a week ago ( around the week of XX/XX/XXXX ) and asked them to close the account. I also asked for a XXXX balance letter which I have not received. Upgrade claims to have closed my account, but the online portion of the account is still open and the card is showing as active. I am also set up with credit reporting through XXXX on this account, and while they state the account is closed, I continue to receive credit alerts from them. Upgrade states they need to keep my account open online per government regulation, which I do not believe. I have had multiple financial accounts that I closed and while the financial institution must keep certain records due to government regulations, I am having a hard time believing that the government has said its OK to keep a online financial account actively open to satisfy this requirement, even after the account owner requested it be closed to to fraudulent activity. Upgrade was never able to explain how a card number that had never been used online or anywhere else and remained in my safe, was hacked.
Product: Credit card

In XXXX XXXX, I received a flyer through the mail from Citi Bank offering their Double Cash MasterCard with 0 interest on all purchase balances for 18 months. I applyed on-line and my first billing period ended XXXX XXXX, XXXX. I calculated that the interest-free offer would end with the XXXX, XXXX billing cycle. On my XXXX, XXXX statement there was an interest charge for {$64.00}. I contacted the bank and was told the offer had ended XXXX XXXX, XXXX. I was informed I needed to produce the flyer as proof that the offer was for 18 months. I had not saved it. But I had agreed on-line to the terms and conditions of the offer at the time of application. I was unable to access a copy of those terms on the bank 's website nor was the customer service rep able to tell me how I could obtain a copy of the agreement. After 4 phone calls to Citi Bank, I was told a supervisor would call me back in 2 to 3 days. That has not happened. I feel Citi Bank 's advertising and business practices are deceptive. The bank should clearly state the expiration date of their offer when the card is initiated. The customer should be able to view the terms and conditions agreed upon. The bank should issue a timely alert that the offer is about to expire, so that the customer has an opportunity to pay off the balance without an interest penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent an investigation request to Equifax, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Account XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

IC Systems - XXXX- is reporting and attempting to collection a debt that I do not owe - For one I have always had insurance and I shouldn't have any medical debts ... Also this debt is showing way past the statute of limitations as well. This is erroneous and not mine.
Product: Money transfer, virtual currency, or money service

On   XX/XX/XXXX   I sold something on  XXXX  for {$2000.00}, and the buyer paid through PayPal. I received {$1900.00} in  PayPal  after  PayPal  's fees. After receiving the package, the buyer requested a refund. I said ok, the buyer shipped back the packaging, and I issued the refund. The refund was processed through  XXXX  and {$1900.00} was subtracted from my bank account. However, due to a glitch in the  PayPal  system, my  PayPal  balance was additionally debited by {$1900.00}, resulting in a negative balance of that amount in my  PayPal  account. I was charged {$3900.00}. After spending a few hours on hold and through department transfers on PayPal, they acknowledged th at it was PayPal 's error, a " glitch in their system '' and apologized. They credited my PayPal acc ount {$1900.00} on   XX/XX/XXXX .  However, on   XX/XX/XXXX  , PayPal 's system informed me that a " Temporary credit issued by paypal '' has expired and would soon be debited from my paypal account again. On   XX/XX/XXXX ,  my account was again charged {$1900.00}. I furiously called  PayPal again, and after about 4 hours on hold and otherwise, PayPal again  acknowledged that it was an error on their part and would reverse the charge on my account. They reversed the charge and I received {$1900.00} back. This exact same situation happened on   XX/XX/XXXX  . I was furious that my account was charged again by their automated system, and for spending so many hours on the phone and having an issue repeat itself, and I demanded that they ensure it does not happen again. They ensured this, however today on   XX/XX/XXXX ,  my account was again charged  XXXX . After many promises, apologies, and acknowledgments of error, PayPal has done nothing. I have spend dozens of hours on the phone and am considering legal action to recover compensation for my money and lost time.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Date of Inquiries : XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  Date of Inquiries : XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion Date of Inquiry XXXX XX/XX/XXXX -XXXX I am unaware of these Inquiries on my credit report .
Product: Credit card or prepaid card

I received a credit card pre-approval letter from capitalone and I applied for a credit card since my credit score from all 3 credit bureaus and pretty high and over 750.  Also my annual income is XXXX and have a Capitalone 360 acct with $ XXXX balance. To my dismay they rejected my application and sending me over to XXXX web site to improve my credit. Since I have good credit and good income and XXXX balance in savings acct at Capial one 360 for last 6 months I dont see any reason that they should reject my application.
Product: Money transfer, virtual currency, or money service

In XXXX of 2024 I made payments which were lost due to a malfunction of zelle being able to verify the receiver of the payment. On another occasion money was sent into my account and the money was not in the account until several days later after having reached out to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social security number XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 you receiving this complaint. 

These fraudulent accounts consist of XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XXXX opened on XX/XX/XXXX ... .I would like a investigation and have an accurate FICO credit report
Product: Money transfer, virtual currency, or money service

Hello, I am sending this email to include that the XXXX account XXXX  has impersonated a United States XXXX and has robbed me of XXXX dollars and has done so to many others through XXXX and claims her victims money through XXXX  with her username XXXX XXXXXXXX. This person must be apprehended to ensure no one else false for her scam of being a navy federal representative or being well known with them or any other bank. As such, I will include her XXXX url XXXX XXXX XXXX XXXXXXXX for better assistance. Thank you very much. 

As well as XXXX XXXX XXXX stole XXXX dollars from me with phone number XXXX and email XXXX Navy federal credit union didn't help me get none of this money back after I got hacked through the XXXX  app and or tell me there is nothing to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to add a credit card account that I am on to both Equifax and XXXX. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.