23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Opened a new credit card, thinking there was a 0 % fee for transfers ... come to find out its 0 % APR with a fee of XXXX Tried to contact cc to reverse it, as i would rather pay the interest up front. They declined, and gave me legal jargon that was confusing. 
I will NOT pay that fee, but I am FINE with them transfering it back with no harm to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies : XXXX, Equifax, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX Management : Rise of California is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
Product: Credit card

I have a Apple Card Credit Card issued through XXXX XXXX. 

In the past I have made a account on the site XXXX but I never made any purchases, my account shows no card on file, no recent history, no payments made to anyone, nothing. 

On XX/XX/2024 XXXX my Apple Card was declined on a {$2000.00} dollar transaction through XXXX  . This is wonderful because this is fraud, I did not authorize this purchase at all. Apple deemed it suspicious enough to decline, no worries all good. 

On XX/XX/2024 at XXXX my Apple Card was charged {$2200.00} from XXXX XXXX I immediately got a hold of customer support and raised a fit. I did not make this transaction. I disputed the transaction and it was determined I lost and somehow XXXX has my apple card number and full address including zip code. If apple had done its job and declined this transaction as suspicious as it did the previous one there would be no issue. this transaction was approved. Again there is no history of any purchases on the site. 

Immediately after my card was charged on XX/XX/XXXX another transaction of {$14.00} was placed by XXXX. this transaction went through, I disputed it and I won the dispute. 

However about a hour later on XX/XX/XXXX at XXXX another transaction for the amount of {$2100.00} was declined by Apple Card simply because that transaction would of put me over my spending limit. 


These reckless charges were not made by myself of anyone I know of. It is purely scam or fraud. I have since turned off my Apple Card and I look forward to closing my account once this matter is resolved.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Money transfer, virtual currency, or money service

Sent 2 XXXX transactions from my XXXX exchange to XXXX Account. First was for XXXX and the second for XXXX. Sending the first transaction I forgot to put a memo tag on it and sent it not knowing that if theres no memo tag the funds will be sent to XXXX not directly to your XXXX account. second transaction was fine as I was able to put in my tag and recieved it without errors. I contacted support and was told that theres a 4-5 days then they will get back to me but that never happened. This transaction occured XX/XX/2021. Its already XX/XX/XXXX and not a single response or email from them have I recieved. All I want is for the funds to be put on my account.This is so much stress giving me as I am facing financial issues on my own, and XXXX has made it alot worst. I do have a Case number from them as I reported this issue to them everyday asking them for an update. They refuse to contact me or reply to all of my tickets, even contacted them via social media platforms. But an automated bot only response to the issue. case # XXXX
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Checking or savings account

I received numerous emails and correspondence via USPS to my home regarding the opening of several bank accounts. I have not and did not open any accounts with PNC Bank. When I contacted their customer service department they were evasive and unhelpful. They would not tell me when these accounts were opened and told me nothing other than they would open an internal " case ''. I'm unsure if they opened it fraudulently themselves but I would appreciate an investigation into PNC Bank and whether they are opening fraudulent checking accounts without customer consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about a month now I have been in contact with XXXX regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by PMAB. XXXX   and XXXX  have removed the accounts from their bureaus. XXXX  has not. XXXX  has removed the creditor 's name ( PMAB ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of PMAB 's name ). They told me that PMAB had not requested that the information be removed and they would have to request that the information be removed from the report before XXXX  would remove it.
Product: Checking or savings account

I tried to go over my statement from XX/XX/XXXX to XX/XX/XXXX at XXXX US Bank I have my reciepts the bank manager just ignored me at that time supposedly I was at negative {$820.00} and now Im on negative {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute with each Credit Bureau on The Bureaus for a {$390.00} Collection on my credit report in XX/XX/XXXX requesting proof of balance and documents since I never physically had a credit card or statement for this account. 

Yesterday, I received a letter from XXXX XXXX XXXX and called them to find out if what the collection was about and if it could be negotiated. I assume The Bureaus does not have this XXXX XXXX any longer but still reports it on my Credit Report. 

XXXX XXXX XXXX told me I had a XXXX Contract and had made a {$90.00} Payment in XXXX which I do not recall so I filed a XXXX XXXX Dispute today wanting proof of the Contract, proof of Payment and " Chain of Title '' or COT from the original creditor. The Contract Statue of Limitations is 5 Years in Florida. 

I would like The Bureaus {$390.00} Collection removed from my Credit Report. Thank you!
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off in full information is not correct I have returned the equipment and made payment in full this information needs to be updated should not be showing delinquent on my account.
Product: Credit card

I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again.
Product: Checking or savings account

Bank of America keep denying my disputes! I dont understand how some charges are returned and some are not there response was cause the account was too new I dont understand how that make sense! I want all my money return I will continue to keep fighting this! They keep asking me to provide proof of it being fraud how am I suppose to prove that if it fraud???
Product: Debt collection

I ordered merchandise online from XXXX XXXX XXXXXXXX XXXX in XX/XX/year> that was going to be billed through XXXX. Within in XXXX minutes of ordering I called XXXX XXXX  and canceled the order and called XXXX to inform them as well. The merchandise was shipped anyway and I did not accept the merchandise and it went back to XXXX as not accepted. Now XXXX has turned me over to TrueAccord collection Agency for merchandise I canceled and did not accept. The merchandise was sent back to the sender 's address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX. I want XXXX to correct my balance to {$0.00} and TrueAccord to do the same. True Accord has contacted me through text and email from XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX her email XXXX XXXX. 

This has been haunting me since XX/XX/year>. I have called XXXX over and over to no avail. I will never use XXXX again because they have done nothing to rectify this situation. I don't owe XXXX anything. Your help is very much appreciated. 

I have all types of emails to XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX who received the merchandise back. If you will contact me we can find a way that I can forward all of this to you. I have too much to attach here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 file a disputed against EXPERIAN to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and I asked simply for these account to be verified and that they send me the contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called in to the company on XXXX XXXX, XXXX about XXXX cst in good faith to have these inquiries removed that happened during the breach/glitch with in the company around XXXX XXXX XXXX, first speaking with a XXXX XXXX XXXXho cut me off immediately to let me know he could not help me and i then asked to speak with a supervisor who also did n't event me finish speaking about the issue. This glitch was not my problem it was transunion and I 'm also away that it is illegal to run someones credit without authorization from the person or re-add an inquiry with out a 5 day written notice!
Product: Credit reporting

I sent a dispute to Equifax in XX/XX/XXXX to dispute late payments. I sent them proof ( copies of my forbearance approval from XX/XX/XXXX-XX/XX/XXXX ). They only updated the late payments for XX/XX/XXXX. I again sent them my entire forbearance history and was told that it was updated by the grantor. They didnt even look at the information I sent to them. From my understanding, they 're suppose to verify the information and have my files that the lender send to them on file. Not refer to the Grantor for confirmation. 

They were removed the loans form my report then got a notice the following day that it was updated. 

I want the loans to be removed from all XXXX credit agencies as they 're not reporting the correct late payment dates and are suppose to update according to the information sent to them. 

I also attempted to reach direct to XXXX but I was n't able to get any help with updated my history which resulted to me contacting the credit agencies.
Product: Credit reporting or other personal consumer reports

I never opened an account with Affirm. Someone else opened an account with them in my name, using my SSN. Affirm refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site.

The frauder used an address, phone number and email that are totally unknown to me.
Product: Checking or savings account

The week of XX/XX/XXXX, I received a letter from Wells Fargo, including an ATM card for a new account. 

This account was opened without my knowledge or consent. The following week I received a letter with the PIN number for the ATM card. 

I contacted Wells Fargo on or about XXXX, XX/XX/XXXX, and reported the account being fraudulent. At this time, they said that they would freeze the account and close it. On XX/XX/XXXX and XX/XX/XXXX, I contacted Wells Fargo to ask about protections that can be put in place to ensure that this does not happen again. 

I requested that they lock my file to ensure that no new accounts could be created on my account. They said that they do not have this functionality in place. 

I asked what would happen if someone called asking to update my address. They indicated that they would ask for my social security number and validate it with information such as transaction data. However, since I do not have transaction data, they would have to use public information. This is not acceptable as public information is publicly accessible. 

The safeguards that are in place by Wells Fargo amount to non-existent security measures that put every XXXX at risk for Identity Theft and financial fraud. They have already failed in this regard and they appear to be unwilling to take action.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute several accounts that continue to appear on my credit report, despite your previous investigation. These accounts are inaccurate and in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies are severely damaging my credit score. 

In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am requesting a reinvestigation of these accounts. I kindly request that you validate the information with the data furnisher and remove any inaccurate or unverified information. 

Below are the details of the accounts I am disputing : Account Name : XXXX XXXX XXXX Account Number : No account # listed Amount : {$1600.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Please investigate its completeness and accuracy. If found inaccurate or unverified, remove it from my credit report. 



Account Name : XXXX XXXX Account Number : XXXX Amount : {$8000.00} Dispute : Please investigate the completeness and accuracy of this account. If found inaccurate, remove it from my credit report. 


Account Name : XXXX XXXX Account Number : No account # listed Amount : {$2200.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Please investigate its completeness and accuracy. If found inaccurate or unverified, remove it from my credit report. 





Please provide me with a detailed response to this dispute, including your findings and any actions taken. If no changes are made, please provide the specific documentation used to verify the accuracy of each account. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe allowed under the FCRA. 

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

Good afternoon, my name is XXXX XXXX I have been banking with wells Fargo for about XXXX years. About XX/XX/2020 I wired money to have my car fixed to XXXX XXXX ( {$1000.00} ). Days later my account looks as if it had been compromised. For several days I received many calls from wells Fargo & I also did not have access to my account. I was required to visit branch to unlock my account. All of my money ( {$6000.00} ) had been snatched from my account. A false check was also deposited into a atm with my name misspelled & different signature. My account is now over drawn by {$1000.00}, I never received this debit card that was used for the transaction. My Wells Fargo banking is only conducted in the city of XXXX GA. I requested for wells Fargo to open my claim which had first been denied and check the IP addresses or the wire transfers. If you look at the screenshots below it looks as if XXXX individuals were attempting to sent money back & forth.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from .These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. XXXX XXXX XXXX I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX, XXXX, and Experian about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and Experian. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Reporting Act, XXXX account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank just responded to my XXXX complaint & agreed that the account being reported does not belong to me. Why is XXXX XXXX Experian continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.