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

For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX   to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX  on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. TransUnion and XXXX  have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Checking or savings account

Hi on XX/XX/year> I filed a dispute for duplicate charges that were made on my account on XX/XX/year> for {$500.00} from the same merchant 4 times. I have proof that there were duplicate charges and current bank closed my dispute without investigating or contacting the merchant. They refusing to appeal my dispute as well. I have requested a written investigation report from current bank and they are not providing one. Please help
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I had purchased shoes from XXXX which were never shipped. I got tired of waiting, thus asked the seller for a refund. They said they prefer PayPal. I opened a new account, despite being reluctant toward using PayPal as I know how parasitic they can be. 

Once the funds were sent to my new PayPal address, all of a sudden, PayPal started requesting for a bunch of documents in order to verify my identity and release my little {$95.00} refund. 

I submitted my government issued ID and other documents. My bank account was linked, I had verified my phone number, my email address and more. 

However, despite having all the information above, every time I'd log back in to check the status, they'd ask for more and more personal information, such as bank statements, proof of fulfillment ( even though it was a refund ). 

They also ask me to resolve my other account from years ago which I don't have access to. They want me to upload dozens of documents to that irrelevant account as well, which is ridiculous. 
I wasted hours on this. Their representatives are unhelpful, they send massive, redundant chat replies, their phone number is useless. 

I believe they their main aim is for me to leave the account unresolved by giving me all this headache. Therefore, they could have/steal my funds, as I suspect they do with thousands of customers complaining on XXXX. 

This isn't about my {$95.00}. They've been locking people out of their accounts with $ 100k in them to possibly earn interest on those. Others claim PayPal has stolen thousands of dollars from them. Please see below. 

https : XXXX XXXX regards, XXXX
Product: Credit reporting

Dispute to have lien removed as it was paid in full. Dispute re investigation advised that this lien was verified. Reached out to XXXX County where my lien was filed and they advised they had not record of my lien as it is possible it was withdrawn. The agent advised me i could access their website and do a search for my name to see if I had any past liens whether paid or not paid. Was able to access the website and find that I am not in their system nor is any information public record on state taxes from 2008 until now.
Product: Prepaid card

I 've had an American Express Serve card for at least a year, maybe longer. I got the AMEX XXXX ( prepaid ) card because there are NO FEES, which is wonderful. My purpose in getting the Serve card was that every time I get paid by my employer, I put {$300.00} on the card. That {$300.00} is used to pay for food items, so until last week, that is all I had ever used the card for. But last week, I bought {$20.00} of gas ( paying at the pump ) with the AMEX XXXX card. Before I started pumping the gas, I checked my card balance, which was about {$95.00}. I bought {$20.00} in gas. Next thing I know, I get a " Low Balance '' email alert from AMEX advising that my card balance is ZERO!!!!! That 's because the gas station charged my card {$100.00} for {$20.00} in gas!!!!!!! I was FURIOUS. I called AMEX and told them I wanted to report FRAUD and THEFT because the gas station took {$100.00} from my card even though I only bought {$20.00} in gas. The AMEX representative told me THAT IS NORMAL and LEGAL. I said NO IT 'S NOT so are YOU going to refund my money or do I fight with the gas station???? After keeping me on hold for 10 minutes, the AMEX rep came back and said they issued a refund of my money but that I can not use the AMEX XXXX card to pay for gas AT THE PUMP ; you have to pay for gas INSIDE the store. WHY IS THE AMEX prepaid card allowed to be treated ANY DIFFERENTLY than a debit card? The money is taken off the card IMMEDIATELY. This is the XXXX century. There are not more " wait XXXX-7 days before your transaction shows up ''. THIS IS DISGUSTING and SHOULD NOT BE ALLOWED. I happen to always have about {$2000.00} in my normal checking account ( debit card ), but what happens to honest to XXXX POOR PEOPLE who ONLY have prepaid cards and then they use it to pay for gas at the pump and the gas station takes {$100.00} off their prepaid card and they have to wait XXXX10 days to have their money refunded??? THIS SHOULD NOT BE ALLOWED. I hope the CFPB can and will do something about this GROSS INJUSTICE. Thank you. XXXX / XXXX Texas
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXX XXXX FTC REPORT IN XXXX
Product: Mortgage

I was charged {$25.00} for a Payoff Demand Letter, and PennyMac did not disclose the fee upfront. Even the customer service rep ( who was very nice ) agreed that made no sense. PennyMac would not refund it when I pointed out that the fee was never disclosed to me and isn't published on the page of My Account where a Payoff Demand Letter is requested. There is no reference to a fee anywhere, and the Customer Service Rep wasn't able to provide me with a reference to where this fee is mentioned anywhere, either. I will never do business with this company again. 

As of XX/XX/2020, this is the text on the Payoff Demand request page ( I have a screenshot ) : Payoff Request If you are working with an escrow officer or attorney as part of a real estate transaction, they will contact PennyMac on your behalf to obtain this information. 
Important things to remember : You are responsible to continue to make all payments on your loan until it is brought to a XXXX  balance. Late fees/adverse credit reporting may be affected if payments are not received. 
If you pay off your loan and you are set up on PennyMac AutoPay you must cancel the service at least three ( 3 ) days prior to your scheduled payment date in order to avoid a draft from occurring while your payoff is being processed. 
When sending in payoff funds, please follow the payment instructions in the payoff statement. 
If you are moving, please remember to update your Mailing Address so we can be sure to get important documents, notices and/or refund checks to you promptly. 
If your loan had an escrow account, any remaining funds will be mailed to you within 20 days from the date your loan is paid in full. 
After your loan is paid off, you will continue to have online access to your loan for 18 months. You will be able to access your Statements & Document section and review your Loan Information. 
How It Works Select a date that is available for you to choose to payoff your loan. 
You will receive a notification when your payoff statement has been processed and you will be able to view it in the Message Center where you can view and print your payoff demand. 
Payoff Demand Statements are time sensitive documents the message will be auto-deleted in 30 days, encourage you to print save on your own device. 
Get Started PayOff Reason Expected Payoff Date Please choose a payoff date within the next 30 days. 
Submit
Product: Credit card or prepaid card

Statement closing date and due date rolling 3 to 5 days in either direction every few months, but generally a due date on the XXXX, except this month, it was the XXXX. Invoked a {$39.00} junk fee. Nefarious business practice is designed to trip up payment sequence. Evidence : I have 2 accounts, one on auto pay, date never changes, second account, no auto pay, they slide the due date around. You ought to look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. I tried disputing these 2 debts with Experian and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from XXXX with the account numbers that are reporting on credit report. I have been disputing this with Experian and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
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 for the violations
Product: Bank account or service

Husband passed recently and he had no will and XXXX accts with Bank of America. XXXX was our joint checking, the other XXXX were XXXX a XXXX and a XXXX acct. I told the bank rep wanted to keep those XXXX they told me would have to go to Probate to get access. I did go to probate and was asked to list assets did n't list the fund acct only had XXXX. Since the passing I established a scholarship acct in my husbands name and planned a huge scholarship event, I have deposited XXXX in the XXXX. A few days before the event tried I to withdraw some of the funds for expenses related to the event and told could only make deposits because my husband had sole propriortorship on the acct. My attny rushed papers through probate listing the acct to give me access, now the bank says the amt in the bank at time of death was XXXX and the amt now is different. Attny says this is not part of the estate. My husband did not raise the f ; unds and it is not his funds.I have expenses related to the event not paid and this has become a disaster. I have more checks and cash to deposit. No one in the bank advised me that I should have established another XXXX acct in my name but they kept taking the deposits. The bank is ignoring the court documents giving me access, you get nothing but the run around when you call, no return calls, each time you speak with someone its a different story, they act like they will help and then it always diverts back to there is nothing they can do. The local branch reps are poorly trained and not helpful at all.
Product: Credit card

I was charged {$440.00} on XX/XX/XXXX for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with TransUnion on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX had a cyber attack issue causing their system to shutdown and XXXX hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX XXXX XXXX reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.
Product: Debt collection

TransUnion reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are XXXX medical debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes per accounts that are not been properly Investigated the disputes is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the XXXX accounts listed was coved by medicaid Insurance to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companies nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my healthcare data
Product: Credit reporting or other personal consumer reports

I received a phone call from XXXX XXXX XXXX, asking if I had purchased items from an XXXX XXXX XXXX  store in Florida. I live in and was presently in Arkansas. I said " no '' I did not open a credit account with Affirm to purchase items from XXXX XXXX XXXX. 

The person then called back and asked for information ( so as to close the account ) and cancel the credit application. 

I received several emails and text messages from Affirm but asked them to stop calling and texting me & they continued to send messages and texts to my husband and me. 

We both contacted Affirm on speaker phone 4-5 times, asking them to remove the charges since we didn't buy anything. Each time we asked to speak to their supervisor since they never successfully closed our account. It has continued from XXXX through XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 
1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX rental did 2 unauthorized charges.
Product: Prepaid card

I bought 2 Visa cards for {$500.00} each. I am unable to use them as intended. They are debit cards and should be used as such but when I try to use them to buy a money order, they show up as credit cards. Thus making me unable to use them how they advertised.
Product: Debt collection

I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.
Product: Debt collection

under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving your initial communication. Ive requested verification of debt, proof of ownership, and accuracy of reporting in that order.Its been more than 60 calendar days with no response and i'm not waiting any longer. I need the account listed to be removed immediately under the FCRA. I recite these consumers laws and hope the cfpb can enforce these laws to these abusive debt collectors who probably are not even licensed to do business in NY. 
15 U.S CODE 1602 ( P ) - UNAUTHORIZED USE / HARD INQUIRIES 15 U.S CODE 1666 B - LATE PAYMENTS, CHARGEOFFS 15 U.S CODE 1681 15 U.S CODE 1692 ( G ) - COLLECTIONS - VALIDATION OF DEBTS 15 U.S CODE 1692 C ( C )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized :