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

XXXX XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. This account is reporting with XXXX different amounts of high credit. The account paid in XXXX from XXXX XXXX company due to a total loss. Upon reviewing my credit report. The company XXXX XXXX continues to report the account as open with monthly late payments as of XX/XX/XXXX for a car that has been totaled loss and not in my possession since XXXX. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, The CFPB and New York Attorney General Sue XXXX XXXX for Hiding Auto Loan Cost, Setting Borrowers Up to fail. This lender hid the true cost of loans subjecting car borrowers to several financial distress and aggressive debt collection. 

Please review the attached article from the CFPB.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed for Chapter XXXX Bankruptcy ; I was XXXX in XX/XX/XXXX. I had an Equity Line of Credit with XXXX XXXX XXXX XXXX which was included in the bankruptcy. It is almost 9 years since the filing and this line of credit still shows on my TransUnion credit report. XXXX and XXXX have already removed it from my credit report, as the 7 year window has already passed. I contacted TransUnion in early XX/XX/XXXX ; however they did not remove it and instead they updated the Pay Status field to say >Account Included in Bankrupcy<. I would like TransUnion to remove this account from my credit report since the 7 year window has already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing an complaint against Cashapp ( 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. Futhermore, 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 snd financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

We have been trying to get XXXX XXXX to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and XXXX XXXX can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are disable and I am retired military .... We deserve better .... Please see attached documents ....
Product: Credit card

I was sold blinds by a representative that came to my home and offered financing through my macy credit card. The service is Macy 's XXXX. After several weeks of having this order on my credit card - and the rep telling me that they had a problem getting an installer out - the blinds were installed. The installer claimed he was " afraid '' to get on the ledge ( XXXX story vaulted ceiling ) which was XXXX apparent to him and the sales rep when they sold the blinds. He poked a hole in the ledge while he attempted to install them hanging from a ladder with no assistance. I complained about the hole and sent photo within 24 hrs. It took several weeks and the SAME installer came out - claimed he was waiting to install until he could find someone to help but never did. This took multiple phone calls to get to this point, all the while - the sales rep REFUSED to give me the name or contact of her direct supervisor. She just kept citing " customer service '' would be in touch. The blinds were over {$1000.00}. and it appears the replacement set was cut incorrectly as they are " short '' about XXXX inch. I have been sent to the original manufacturer of the blinds - " XXXX XXXX '' who acknowledged after being sent a photo of the replacement blinds that in fact - they did appear to be short and was offered {$75.00}. credit to go away. I refused citing I wanted the blinds that I paid for and she committed to have someone out within 3 days to see if there was anything that could be " done ''. I have called, emailed with NO RESPONSE. This was nearly 3 weeks ago. I feel that I was frauded as there was no disclosure that I would be dealing with a 3rd party company AND no disclosure there were issues with having someone to install. XXXX cites to me - they merely do not have anyone in my area to resolve this issue. The closest installer is XXXX miles away. This has been going on since when I placed the order in XXXX. I am contemplating a lawsuit as well - I want my money returned and off of my Macy 's charge as I am paying 25 % interest on this.
Product: Credit card or prepaid card

I reside a XXXX XXXX XXXX in XXXX XXXX, Colorado, XXXX. In the past two weeks, I have received two credit cards in the mail from USBANK Reliacard - for people who do not live here. I am guessing that people are using my address to collect benefits that are not due to them. 

The cards are for XXXX XXXX and
Product: Credit reporting or other personal consumer reports

For the past several months, my credit report has shown multiple unauthorized inquiries that I did not approve or initiate. I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Amount : {$00.00}
Product: Checking or savings account

Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : Account Number : XXXX XXXX XXXX Date of Charge Off : XX/XX/year> Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Mortgage

I applied for mortgage refinance online through chase. After completing it stated a representative would call me. My information entered shows around 95 % financed. I entered this information prior to speaking to an agent. The agent then called and spoke with me over an hour. Prior to pulling my credit chase knew I didnt qualify due to an XX/XX/2020 decision to only accept XXXX credit scores and 20 % down. I have XXXX credit score and only 5 % down. Chase knew I had only 5 % but continued to proceed without telling me I didnt qualify. Then chase pulled my credit conforming I had XXXX credit. The agent then put me on a series of long holds and then informs me I dont qualify for a mortgage because I dont have 20 % down. Again a hard inquiry on my report. Chase knew I didnt qualify and intentionally harmed my credit by pulling my report. Again, the issue isnt my credit score but the amount or percent financed.

Chase executive office is stating I dont qualify due to credit but this is false. I dont qualify due to 20 % down that chase saw before pulling my credit.
Product: Credit card or prepaid card

To whom it may concern, My name is XXXX, this is regarding my recently approved XXXX XXXX Business Card with Barclays Bank. My application was approved on XX/XX/XXXX. After ( 2 ) full weeks no receiving my card, I contacted the company on Friday XX/XX/XXXX and wasted over a hour on calls and being transferred to incorrect departments. 

Saturday XX/XX/XXXX I tried calling again to the business card department and learned that someone stole my card, and fraudulently shopped at multiple locations in New Jersey since XX/XX/XXXX spending $ XXXX+ dollars with this card. The customer service rep could not answer me how could the authorization process was completed to allow this person spending such amounts on this card without my personal credentials. Then I was transferred to the fraud team where I spent another hour confirming that all these charges were fraudulent. I was promised that all charges will be disputed, nothing to be worried. The agent also promised me to overnight the card to me via XXXX to ensure proper delivery. 

Monday XX/XX/XXXX Since I did not received the card, I tried calling again in the evening and learned that there's an address issue with my card, and can only be resolved by a supervisor team member. It was too late ( XXXX or XXXX ) when I called so I should give them a call back on Tuesday Tuesday XX/XX/XXXX I contacted the team again, wasted another hour and finally got a supervisor team member to clear this and confirmed that they card will be delivered by XX/XX/XXXX Wednesday XX/XX/XXXX The card did arrive via XXXX. After dinner, I called the number to activate my 'replacement ' card. Then I log onto my desktop to register via the bank. As soon as I log in, I see my current balance exceeding my credit limit ( see attachment ). After carefully study the transaction record, I learned that the bank also missed disputing ( 1 ) of the fraudulent charges. So I had to call the bank again - wasted another hour or so, spent 80 % of times being put on hold and was told the agent was still 'waiting to hear back from the security team ' - issues remained
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.
Product: Credit reporting or other personal consumer reports

GM Financial is reporting an account on XXXX that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with GM Financial and needs to be removed as they can no longer reflect the true status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

was contacted by a company that identified itself to me as per attached document I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 

It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 


That is why I am reaching out to the bank a while after the transfer of the money to be deposited had occurred, to assist me by requesting the merchant 's bank launch a fraud investigation against the merchant and reverse the transactions if the funds are still available in the merchant 's account. 



In light of this information, I am kindly requesting you to start a fraud investigation and a wire recall procedure. 


I am available to provide further documentation or clarification as needed if you can supply me with an email address. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a call from regions bank on my cell. The caller ID showed as regions bank. The man told me my checking account was being accessed from a strange IP address and regions wanted to verify if it was me or fraudulent activity. 
He knew my name and of course my phone number and home address. 
I was just finishing up my work day and was in a bit of a scramble so when he asked to verify my login info ( he said the hacker may have changed my information ) I didnt hesitate and told him my user name and password. 
Next he had told me they were attempting a transfer from a cash app called XXXX and said I would be getting a text with a code and I read the code back. I told him I had to pickup my daughter and was running late and the call ended. Moments later I had an email from regions stating I made a payment to XXXX XXXX for {$790.00}. 
I called regions immediately and they said they could not do anything while the payment was pending. 
The very next morning I took off work and my husband and I went to the local branch and they closed my account for me. Opened us a new account. And she said she filed a dispute over the charge. 
Then the dispute was denied I guess because I gave my information out. 
But it was regions bank calling me, and they already had my information XXXX didnt know they could do that. {$790.00} is an entire mortgage payment for us I do not have that kind of money laying around. 
Regions will not refund the money but shouldnt they have responsibility with someone using their phone number? This XXXX app has no responsibility? I had to freeze all my credit, borrow money for our mortgage payment, I contacted XXXX that night and they wont do anything but cancel the email address from their system. I called the bank almost immediately after the transaction happened and they made me wait over 12 hours to file a dispute because the transaction was pending. They couldnt stop the payment? We are in the middle on a pandemic and they couldnt do anything to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not showing me how this is my account when I properly reported identity theft to the FTC. I have been disputing this account since XXXX when I found out about it. My information was taken and used to open a loan on a car as a joint co-signer. I gave no one permission to go in my personal belongings and take my information and sign my name and use my information to do anything. Im tired of dealing with XXXX XXXX to no avail because they are trying to pin something on someone when I was not even there. This is really hurting my life and I keep fighting it and fighting it, because these people used my information without my consent they are going to pin this on me. XXXX XXXX needs to be shut down. I have been disputing this with Equifax as well to no avail. This company keeps changing the remarks on the account open closed, late this is not my account I should not have to suffer for this fraudulent account.
Product: Checking or savings account

This is in continuation of previous complaint number XXXX. In the letter from the bank in response to my complaint the bank said they would be willing to reopen my account or start a new one if I called the XXXX and I have tried to do that and they still refuse to reopen my account or start a new one I would like my complaint reopened and addressed appropriately.
Product: Money transfer, virtual currency, or money service

A cash app transfer of {$1000.00} was made on XX/XX/year> to an an individual named XXXX XXXX. This individual refunded the money immediately as he could not deliver the service requested of him. Cash app voided the transaction and claims the money has been refunded to my XXXX XXXX XXXX XXXX  associated with the account. I waited a couple of days to either see the balance drop on my XXXX  account but this hasnt happened till date. All effort to get support from cashapp of file a claim has been to no avail. I was adviced to file a claim with my XXXX XXXX  but due to a XXXX  policy which is available online as well and cashapp is well aware of it, XXXX  is unable to file a claim for any transactions that goes through 3rd party apps like cashapp and XXXX etc. I have gone back to cashapp to let them know this but they keep repeating to file a claim with my back and wait 3-5business days despite it being obvious this is already almost 25business days! This is causing me a lot of financial distress and I will need this to be resolved asap. I have gone online and it looks like this is very popular issue with cashapp. Are the defrauding people of their hard earned money and making them jump through hell to get this back? This is just a violation of ones human rights. You dont hold on to peoples hard earned monies
Product: Credit card or prepaid card

I am having this XXXX XXXX store credit card since XXXX. 
Any time I try to create the online account for this credit card - I am unsuccessful. It's very limited time when there customer service. For the last 4 years - I have to always pay the card via telephone. 
XXXX XXXX is doing it deliberately so that I can miss the payment and then they can extract higher interest rate from me. 
I never receive the paper statements also. 

I talked to XXXX at XXXX XXXX ( XX/XX/XXXX ) at the phone # XXXX to make the payment via phone. I am not comfortable doing the payment over the phone where i need to reveal my bank account number.
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 XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full for Aldous and Associates, PLLC, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to Aldous and Associates, PLLC, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove Aldous and Associates, PLLC collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX th, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme
Product: Mortgage

Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity.
Product: Credit card or prepaid card

I am very upset as a Cardmember how I am treated by this bank everytime they never give me a increase in this card their system always find a reason to nkt give me one Ive been loyal for years and have never gotten a single increase I deserve it but instead they rely on my credit which is good unbelievable