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

I have reported several times that the information reporting on my credit is incorrect in results of identity Theft. These accounts are still reporting on my credit to all three credit bureau please remove these from my account as this is affecting me to be able to buy a home. There are also addresses associated with my account that are not affiliated with me please have this removed immediately from my account. Every time I check my credit report things are constantly reporting that are not associated with me. I have filed police reports and also filed a complaint with the FTC. The following accounts are XXXX DRS XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX in the amount of {$290.00} XX/XX/XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX {$870.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
Product: Credit reporting 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 XXXX. 

XXXX XXXX ( Account # XXXX {$40000.00} ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX Account # XXXX {$1700.00} ) XXXX XXXX XXXX XXXX ( Account # XXXX {$750.00} ) XXXX XXXX XXXX  ( Account # XXXX {$390.00} ) XXXX  XXXX XXXX XXXX ( Account # XXXX {$910.00} ) Have violated my rights. 

15 U.S.C. XXXX Section XXXX A. States I have the right to privacy. 

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

15 U.S.C. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 .

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : XXXX XXXX Equifax Pursuant to XXXX XXXX XXXX I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED )
Product: Credit card

I have been arguing with apple card support for months now on these charges i have gone round and round no one at apple card nows what they are doing if i dint get my money back im going to sue them report them ro BBB and attornet general There are three charges that i dispuited XXXX market place for XXXX i spoke with a rep at apple two weeks and we disguessed this. The merchanet gave me refunds for the amounts of {$110.00} {$33.00} $ {$40.00} {$20.00} which adds upto {$210.00} .i sent back all of the merchandise which i upload tracking numbers showing this severall times. When i spoke with an apple rep two weeks ago told them this and he said to upload documents and rracking with i did. I get a message this morning saying that the charges will remain on my account i message in and get a nasty person that refused to listen to me and would not re open the dispuite. They are trying to fraud me of my money. I sent the whole entier order back and have uploaded documentation severall times it seems no one at apple card knows what they are doing. I have gone back and forth for months on this issue. I messaged in through there app severall times and finally spoke with someine two qeeks ago that said i had been given a partial refund and to uplod the documents to get a full refund i did that and they are stil giving me a hard time. The second charge of {$170.00} from XXXX again i returned all the merchandise and was told by apple card that the merchant gave me a refund but on my statement it shows merchant denied it. I am owed that money cause i returned all the mefchandise and sent tracking number. The third charge of {$180.00} from home depot i placed an order which home depot cancelled due to shorteges and iteams being out of stock. They never shipped the merchandise so i have nothing to return to them. They stated that they gave me a refund but never did. I want to make sure that this is understood. i placed another order from Home Depot for the samething and ended up making returns which they did refund me. But to be clear thats not the same order.
Product: Debt collection

This is also part of my pervious claim. I have been a victim of identity theft and a data breach.
Product: Credit reporting or other personal consumer reports

This is my six 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 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
Product: Student loan

Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. 
Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.
Product: Credit reporting or other personal consumer reports

fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit cards opened at XXXX XXXX XXXX XXXX  around XX/XX/year> account XXXX and The account have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an alert that there was a transfer in the amount of {$1600.00} out of my checking account. I did not authorize a transaction for that amount, so I logged into my bank account and found that someone has transferred {$1500.00} from my 1 year old son 's custodial savings account to our checking account and made a XXXX Payment in the amount of {$1600.00}. The thing was the name was familiar, so I contacted the person because we are good friends and of course it was not them, even the number attached to XXXX   Payment did not match. I contacted the fraud department at Chase Bank right away and froze all accounts and reported the fraud. They said it was done through my login and device, however, I did not complete these transactions, obviously I was hacked. Next day went to the bank and closed all accounts and credit cards and opened new ones. I had noticed also there were small XXXX amounts being deducted the whole month of XXXX from his Savings until they transferred the large amount out. I put in a second claim and that one was refunded. However, they are now saying after a month of telling me one story after another. Chase has said they will not refund the money for it is not a fraudulent charge. It was not done under my account and usual device no flags came up. Even though I am disputing the payment and I did not make the payment. They told me there is nothing they will do. So now my son lost {$1500.00} through XXXX Payment to someone and they got away with it.
Product: Money transfer, virtual currency, or money service

I just opened a Square accounts for payment processing for my business and my first customer paid me via ACH. After two weeks of requests for verification, which I supplied, Square has now deactivated my account, and is holding the funds in which they have received from my customer, per their email for 90 days. I attempted to contact Square directly. However, their customer service associates have little authority and can only repeat company policy to me. They refused to transfer me to a management team and stated that there was nothing else they could do to help me. I find it illegal at least and unethical at best to withhold these funds from me, or give me the ability to refund my customer so that we may use a different payment method.
Product: Vehicle loan or lease

I was told my car XXXX but when I go online to pay its a different price there boosting the price up
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX, 2011 XXXX XXXX XXXX Bank charged off my account even though I was attempting to re-negotiate a monthly payment plan. Furthermore, without prior notice Macy 's summarily referred my account to a collection agency. I learned the latter when I requested and received from XXXX a copy of my credit report. For over 5 years I 've disputed the latter information and sent over XXXX letters. Macy 's has ignored me and states it will not remove the charge off. When I received a letter from the collection agency ( XXXX ) I paid in full the charge off balance of {$720.00}. It is my understanding that a creditor such as Macy 's can not submit an account for charge off until it has provided me prior notice of its decision. I am wanting the charge off and all other adverse information removed from my XXXX credit bureau reports. Please help
Product: Money transfer, virtual currency, or money service

Today XX/XX/2020 cash app took XXXX out of my account and closed my account so I couldn't stop the payment they was supposed to be reseting my card and stole my money out my bank account my bank said it was a payment made with cash app now. I cnt get ahold of anyone. I have children to take care of and now I'm set back cash app says u cnt even send or receive more than XXXX a day bt then takes XXXX
Product: Debt collection

On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

XXXX XXXX  is reporting to my credit report. It says it link to my address at XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thats false, they sent me some bank statements that dont belong to me. I will attach those statements below. Which means this account should be deleted. The address on the statements is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This address is not connected to me at all. So this is a violation address discrepancy and I demand this item to be deleted immediately. I also would like all documents you received from them that verify this account is accurate from your last investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 & 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: Debt collection

Commonwealth Financial refuses to remove this medical bill from XXXX from my credit report, they put it on my credit report with no notice in middle of XXXX and didn't give me an opportunity to give them the facts of this case.

The original creditor cancelled the debt and sent me and them a letter and they refuse to listen to them. They refuse to verify information, refuse to give me any information on this debt. I had to go down a rabbit hole to find out what this debt was and the debt is not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/2023 and discovered that TRANSUNION placed a fraud alert on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report,
XXXXXXXX XXXX ran a credit check on my credit report still havent taken it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through numerous stages to obtain a Federal employment position, the final stage is a background check which includes pulling my credit report from the 3 agency 's. Two came across no problems but the 3rd from Equifax returned a fraud alert error. This alert was not placed by me, and i was never notified of this error. I have spent now 30 days attempting to remove this alert, calling every day, faxing requested documents numerous times. I get different explanations from them each time i call. Nobody at Equifax can tell me why the alert was placed in the first place, and now i.am being told they have no file for me at all. I am now in jeopardy of loosing this position i have worked so hard for, and nobody at Equifax will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. They violated my rights numerous times. 

I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

We had XXXX  put in our home through XXXX. A {$0.00} interest for XXXX  years credit card through XXXX. Sounds great right? I have spoken with over a dozen customer service representatives for over 2 months. We made XXXX  months of payments equaling {$1000.00}, which was for XXXX and XXXX. Now every time we make a payment, it fails and is sent back. We now have XXXX payments that have come back and late fees are being added. I have opened a case and have the case # if needed, but Wells Fargo said it was my fault and the case was closed. I called AGAIN and spoke with ANOTHER customer representative and again they are saying to make a payment, I said how, because its just going to come back again. Every single time we give them our account number they say, its not an account. How can this be when you have already accepted XXXX payments from said account. To add to our misery, our mortgage is also through Wells Fargo. They have flawlessly taken our money for XXXX  years now.from the XXXX  account for which we have been trying to use with this new loan. What Im sensing is, since they arent receiving interest of any kind, theyre trying to get money by saying its not an account. I have all documentation that may be needed for your investigation. My final words are, my credit score is over XXXX, why would I miss payments? Please help! Thank you
Product: Checking or savings account

XXXX made a transaction from his XXXX card to his PayPal then got a NOTIFICATION ABOUT NEED SOME MORE DETAILS. XXXX answered the questions. PayPal says YOU ARE HIGH RISK. XXXX wanted more answers. PayPal says THEY DO NOT HAVE TO GO INTO DETAILS. XXXX says WHAT WENT WRONG I CAN NOT USE PAYPAL. PayPal answers with the same REPLY. And XXXX says WE HAVE THE RIGHT TO REFUSE ANYBODIES BUSINESS. How did PayPal decide to refuse XXXX ' business... It must be XXXX XXXX because someone in high rank position ONLY can refuse business. XXXX had great XXXX  anguish because the refuse business excuse. IT HAS TO BE A FAKE REASON. XXXX can not use PayPal like the OWNER says that, and XXXX has to get off of XXXX too. I DO NOT LIKE HIM.