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

I contacted XXXX  XXXX because all three credit bureaus, XXXX, XXXX  and Transunion deleted the XXXX XXXXXXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from Transunion, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Product: Credit card

I could not find the phone number to reach this company. 

I did not give consent to anybody to use my Social Security number or any of my personal information to apply for any type of credit. This is fraudulent and Im filing this complaint so the company can be made aware as well as the inquiry on my credit report gets removed being that I did not authorize anybody to run my credit. Also, please provide any documentation that was used to obtain or apply for this account as well. I was made aware yesterday when I was notified by XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my tri- merge annual credit report and see some hard inquiries that I do not recognize and authorize. 
On XX/XX/XXXX I contacted Equifax via certified mail about the inquiries. few weeks later they responded by saying it was factual record of file access. 

On XX/XX/XXXX, I sent out another certified letter explaining that I did not authorize or recognize these 2 inquiries from XXXX posted on XX/XX/XXXX and XXXX/XXXX posted on XX/XX/XXXX. 
They responded again by saying those inquiries are factual record and asked me to contact directly the creditors. 
Immediately, I contacted both XXXX and XXXX/XXXX on XXXX XX/XX/XXXX via separated certified mail through address provided by Equifax . 
The package was Return unable to forward. 
For the 3rd time I contacted Equifax letting them know the address for creditor the provided me, has came back unavailable. And I request them to verify their reporting and provide me name of individual that provided them with those inquiries. 
They came back with same respond that the inquiries are factual record and to contact the creditor. 
On XX/XX/XXXX I contacted Equifax for the 4th time asking them to provide me for the last time with people they contacted for their investigation and they fail again and again. They keep saying the over and over same thing unable to provide any proof. 
I am so tired to be pushed around by credit reporting agency.
Product: Checking or savings account

I used my Chase debit card for online vacation package purchase made to XXXX XXXX. Please review the attached. I am not represented by a lawyer. I filed a dispute with this company demanding my money back due to fraud ( services were not provided as described/false advertisment ). Chase Bank failed to process my dispute, even though I fully met the burden of proof. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Complaint regarding XXXX XXXX handling of my personal data, which was breached and misused. Despite the seriousness of this situation, XXXX  XXXX did not inform me of or provided the necessary details regarding the breach and the potential misuse of information. The lack of communication and transparency is unacceptable and has left me vulnerable due to their negligence in protecting my data and failing to provide prompt and sufficient notice to me as a consumed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to XXXX, Transunion and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. XXXX5USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX Total Visa/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) acct # XXXX XXXX XXXX acct # XXXX in which has a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) View full c
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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/year>
Product: Credit reporting or other personal consumer reports

The credit bureaus did an improper investigation in to unfair credit reporting. The credit bureaus allow a current date to be put on a old existing accounts. When disputed, the bureaus allowed a new date of " reported '' to be placed on my reports. After bureaus gained the information of me trying for a home loan. They decreased my score progibiting me from obtaining the credit that is needed for a home loan. These acts of defaming and discrimination should be prohibited. It's unlawful.
Product: Checking or savings account

XXXX charges were made by fraud for tickets to XXXX XXXX and XXXX XXXX on XX/XX/XXXX. I noticed unauthorized charges and first called my bank XXXX in XXXX XXXX. We stopped my debit card and had another card reissued. Supposedly they started an investigation. I was able to call XXXX XXXX on XX/XX/XXXX or XXXX they said the tickets had been flagged I was able to provide info to cancel and receive a refund. The tickets to XXXX XXXX  were used the same day as purchase XX/XX/XXXX. Fast forward to end of XXXX after they issued a provisional credit in XXXX I thought it was done but they said I must have benefited from the purchase and they with no explanation or warning deducted {$470.00} and say I have to prove I didnt purchase. Im XXXX have a very limited income and havent been to an XXXX  park for 30 years. My account sits in overdraft and they are being totally unreasonable. Please help!
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance $ XXXX, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00} 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: Money transfer, virtual currency, or money service

I am filing this complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXXXXXX XXXX  used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Payday loan, title loan, or personal loan

Approximately 5 to 6 years ago I acquired a Personal line of credit with Wells Fargo. After getting the account I attempted to have the account closed and was persuaded to keep it open. I really felt pressured and manipulated into keeping the account open. I finally refused to keep the account open, but I felt very violated.
Product: Mortgage

PNC Bank online banking does NOT allow for payments toward principal to be applied on a scheduled basis. They require us to remember to go on their website portal, log in, do the principal payment every single time we need/want to, which is a waste of both our time and money!!! There is NO WAY to set up a scheduled automatic payment to principal, which is a sneaky way for them to get more money and NOT be working for the consumer ... even though they already make thousands in interest every year on my loans and m/billions of $ $ from all of us! Last I checked, it's XXXX, but their online banking set up is barely from XXXX! There should be a FEDERAL LAW that REQUIRES ALL BANKS to allow for scheduled Payment to Principal payments in any/all of their online loan payment systems ( allow Monthly, Bi-Monthly, Weekly, Bi-Weekly, or however " XXXX % & $ # '' frequently we want to make the payment - it's an automated thing so no humans are involved in doing the transfers, so it shouldn't be a big issue! ) Thank you for pursuing this issue!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a victim of XXXX XXXX of Debt bondage and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST XXXX of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$19000.00}
Product: Payday loan, title loan, or personal loan

I inquired about putting Solar panels on my home. They did not work for the first couple of months, the panels finally worked-because my electric bill came down to what was promised when I accepted the loan. Other things did not work, such as losing power in certain places in my home. Then the company went bankruptXXXX XXXX. I am stuck paying a loan of {$60000.00} for a product that does nothing. I have filed a complaint with the bankruptcy court in NC where XXXX XXXX case is. I do not want to mess up my credit but I do not want to continue to pay for something that does not work. Dividend financial will continue to take pays out of my bank account. They can only apologize for what XXXX XXXX has done.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Navient is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX {$130.00} XXXX  XXXX {$60.00} XXXX  XXXX {$73.00} XXXX   XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX   XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX   XXXX {$790.00}
Product: Checking or savings account

In 2009, I opened a chase bank account after graduating highschool, my father whom lived in XXXX would send me wire transfers to pay for my tuition in college, chase closed my checking account without any explanation. My only conclusion is this institution is racist
Product: Money transfer, virtual currency, or money service

several HUNDRED dollars I sent to people using PayPal and PayPal refuses to refund my money even though I Never received anything I paid for by sending money to people using PayPal
 I have already reported that to PayPal MANY times