23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has come to my attention that Experian has committed trespasses on my rights by violating the FCRA by not properly reporting my personal information and refusing to report my personal information correctly. OnXX/XX/2024 I notified Experian that I was in the process of purchasing a home and my credit score was not reporting on my credit report due to not having an address associated with my name according to my realtor who pulled my credit report. Experian told me to mail in my ID and a utility bill to verify my identity even though they verified my identity by book entry of the social security number on file. Experian refused to comply with the FCRA and my oral instructions to correct my address.
Product: Credit reporting or other personal consumer reports

I was alarmed to see unauthorized inquiries on my credit report tonight, and I dont understand how this happened. My routine check revealed discrepancies that I wasnt expecting. I tried refreshing the page, hoping it was a technical error, but the unauthorized inquiries were still there. Im asking that the documents Ive provided be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and Equifax has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the Equifax XXXX data breach.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact XXXX for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO MY CONSUMER PROFILE. After informing XXXX of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the IRS. this is fraud.
Product: Credit reporting

Per the FCRA I contacted the merchants in question and submitted a request to verify/validate information that was listed on my report in regards to payment history. On my credit report there was a XXXX accounts that showed late payment ( s ) which i disputed and offered to provide documentation showing that the information was not correct. When I attempted to contact Experian to file a dispute they told me that it was up to me to file the dispute with the merchant which I explained was incorrect per the law and that they were required to submit a dispute on my behalf and provide me with the results of this dispute. After asking to speak to a supervisor the rep then hung up on me.
Product: Money transfer, virtual currency, or money service

Used PayPal to make payment for XXXX purchase. Paypal drew funds from my bank account. Item was not as described. Opened return with XXXX. Item returned to seller. Seller fraudulently closed return request after item was in transit. I opened PayPal dispute. XXXX approved refund after return item XXXX tracking provided. PayPal has not provided refund/processed dispute. Customer service does not provide information online or over the phone. XXXX customer service has already communicated that I should have received a refund from PayPal to my bank account. 

Claim for fraud/refund is stuck with PayPal although XXXX has approved refund for me. Difficulty is with using PayPal 's claims process to get a refund.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2022. Went intoXXXX XXXX XXXX to send a MoneyGram. Th transaction was sent but I intend to cancel the request. A miscommunication between myself and the staff there to cancel the transaction, in which placed a all t the XXXX number on the document I was unable to reach anyone because the messenger was in XXXX. I never spoke with a human. I then called the store to stop the transaction but by that time the transfer was picked up. When I bspoke again with the staff I was told that nothing could be done. It was hours later, The amount is XXXX and tried to recover it. At this time nothing has been done. I needed the money refunded to me so I can secure it for who it was to go to, please. The scammer out a whole to the reference number and picked up the transfer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer services and fair practices, Which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to provide 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 resolutions Requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions Have caused significant inconveniences and financial loss, And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

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 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We contacted Wells Fargo again concerning a HAMP modification review on XX/XX/XXXX, the documentation was faxed on XX/XX/XXXX to XXXX ; each page had the loan number clearly recorded at the top. A letter requesting additional documentation was received dated XX/XX/XXXX, in it was a request for my husband to provide a XXXX and myself to forward XXXX more paystubs in addition to the ones on file for the pay period ( XXXX XXXX ending XX/XX/XXXX and XX/XX/XXXX, finally my XXXX XXXX, to which I escalated the unnecessary delay to XXXX XXXX XXXX via email and snail mail since a Wells Fargo staff member advised the HAMP program was no longer available since a Wells Fargo XXXX XXXX member advised the Home Affordable Program was no longer available to us. so, in XXXX upon receiving a phone call from another home preservation XXXX an unemployment affidavit was completed by my husband and sent to Wells Fargo ( same day XX/XX/XXXX ). Another letter dated XX/XX/XXXX,  request for additional information request my husband to forward a letter of explanation for a ( 1 ) " bonus '' recorded on his paystubs (? ) to include ( 2 ) clarification for overtime or if he has he ability to receive it again and ( 3 ) prior years income is greater than current year to date ( expecting any additional earnings for XXXX ) and ( 4 ) confirm how many people live in the house ; to which a letter was composed and sent to Wells Fargo at XXXXXXXXXXXX on XX/XX/XXXX,  while mind you my husband is still unemployed with no benefits paid. Today, ( XX/XX/XXXX ) when I called for an updated status I was advised the review was closed ... " its what we do when the file reaches 30 days in age without a decision, the reason noted was the requested documentation was not received. '' ( per XXXX supervisor XXXX ) now let me send you to a member of my team XXXX, who will complete your welcome call, hold please '' ... really? IN summary it appears to me Wells Fargo is not concerned about causing borrower harm or cancelling modification request ( without notifying the borrower ) just to keep from being fined when the review is NOT completed within 30 days.
Product: Debt collection

I have received a collection from HUNTER WARFIELD INC, the debt collection agency at which came from the original creditor, XXXX XXXX XXXX  who's principe place of business is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, and the debt collection agency principle place of business being located at, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Hunter, Warfield , Inc., and or the original creditor real property management alleges fees that are in accurate as evident by bank statements! 
I contacted the debt collection company to try to resolve this issue, and they have told me multiple times that I have attempted to pay this debt through the original creditor and have received a insufficient fee fund regarding to a lease payment at which is completely untrue, and made evident by bank account statements! They also alleged that I owe additional fees which I do not recognize! Upon contacting Hunter, Warfield, Inc. I spoke mainly with one individual who was then interrupted by a senior advisor who was extremely rude! They attempted to contact pre-discovery at which all discovery they should already have! I have requested a five day debt validation request starting on XXXX XXXX XXXX  by email which they first told me could not be sent and then I responded after officially verifying who I am you still cant send it to me by email she then replied yes we can and continued with her, discovery questions! I asked them to send out a validation to the original creditor, she responds ( the senior advisor ) theres no need to we already have all the legal documentation in front of us! 

As still my request was as followed but was denied and she said the debt collection agency would send me a validation notice! 

Back some time ago I signed a lease for {$1100.00} x 12 months, on my credit report it is showing a balance of {$1800.00} some of this balance is stated to be from insufficient funds fees which is once again INCORRECT and my back account will show that as evident Upon move out of the rental property, I never received an itemized receipt of any damages as to which the security deposit wouldve been applied for! 

I believe this collection agency is conducting bad business practices just because of the sheer lies imposed and false penalties under the lease contract. 

I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the Credit Bureaus in an attempt to get this issue corrected. The sad truth is that I never got an answer. 

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed
Product: Credit reporting or other personal consumer reports

I have disputed an account on my Experian report well over XXXX times online ( recorded the process with a screen recorder ) and it says unless I have new documents they will not investigate it because they have investigated it before. The problem is there is still missing and innacurate information on my report for this account. The account I'm referencing creditors name is XXXX XXXX  and the account number is XXXX. 
First it is missing XXXX payment history remarks ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Second it is missing a high balance. 
Third I don't know how it is possible for an account gaining intrest but the high balance reported is higher than ALL of the balance history data back to XXXX. This is just not mathematically possible. 
Lastly is is missing all balance history data before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
Product: Credit card

I bought an extended warranty for a tv at Best Buy for {$170.00} using a store credit card. I was told by the sales person, this was for 2 years of protection on the tv. When I read the email after making the purchase, its actually a membership to My Best Buy Total membership, which is an annual membership that costs {$170.00} per year and automatically renews each year. I found this very dishonest on only really getting 1 year warranty for {$170.00}, and its a membership program not an extended warranty service.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, there were two charges to my credit card. One for {$770.00} and the other for {$410.00}. As soon as I saw the charges from XXXX, I contacted BBVA and a dispute was open. I was advised this is clearly fraud as Ive not been charging anything to the card. I was told to wait until XX/XX/XXXX as they have 90 days going back to XXXX to resolve it. Its now XX/XX/XXXX and the charges have not been removed. I have a Dispute ticket number, if needed. This is unacceptable. I work for a major company and fraud cases are resolved within days.
Product: Mortgage

XXXX/Cardinal paid the wrong insurance company my escrow. They have not paid my correct insurance company. Now my insurance company is threatening to cancel my policy due to non-payment, even though I had money in escrow to pay my bill. I have since put a SECOND payment into Escrow while I wait to be reimbursed by the company that was paid in error by XXXXl/Cardinal and they are letting my policy be cancelled by not paying the bill. I asked to no longer have my insurance escrowed to prevent this from happening again and they are saying no.
Product: Credit card or prepaid card

There is a PayPal credit card in my name that I never applied for I got a prepaid card that's it but when I call about it it gives me a different card I don't have and also they say its XXXX
Product: Checking or savings account

Made an online purchase from XXXX XXXX  on XXXX and M & T put a hold on my card. After 2 hrs of being put on hold with the fraud dept they hung up on me. I called back again and after 2 hrs of being on hold again they hung up on me. I called 3x on my cell phone to speak to an operator and a supervisor and they got me nowhere. I started my phone call at XXXX XXXX and here it is XXXX XXXX with still no assistance from my bank who is holding my own XXXX money! 4 and a half hours later and still no help! Holding my money XXXX for a purchase I truly need for my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management, LLC is reporting a collection item on my credit report which purports to have originated from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or any of its affiliates and believe that this item is fraudulent. I have attempted to contact Trident on several occasions via phone and email, but have not been able to get a response from them. Given that this appears to be a pattern with Trident ( purposely reporting erroneous information on consumer credit reports in order to willfully extort money from those consumers ), I believe that charges should be brought for fraud against them. It would also appear as though RICO statutes may apply.
Product: Credit card

I made a payment of {$740.00} on XX/XX/XXXX, paying off a balance before any due date. That payment is now on hold for 10 days as it was " high risk '', which was explained as any payment over {$500.00}. It has fully cleared my bank, and the company admits the payment was made and is completed. However, they will not readjust my available credit limit for 10 days. Reasons for this were given as " your bank may want that money back ''. I was also told it would be XXXX hours from the time the payment was made, then that time chanced to 5 days as I pushed for an answer, then finally 10 days before they hung up on me. I have three accounts with this finance company, and this has never happened over the course of years with many different payment amounts and different accounts. 

I checked with my bank ( XXXX XXXX ). They can not just take that money back, it has fully cleared, and my checking account balance confirms this. 

This policy is set up to discourage consumers from fully paying down balances, thus increasing the chances interest accrues. 

Furthermore, they refused to email me a transcription of the live chat, then disconnected. The remainder of the customer service interaction was encountered via phone call.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the first attempt made by your company to remove fraudulent items from my account. 

I discovered unauthorized transactions on my account, which I promptly reported to your customer service department. I appreciate the swift response and initiation of the investigation. However, after the first attempt to remove the fraudulent items, I am disappointed to inform you that the issue persists. 

Despite providing all the necessary information and documentation as requested, it seems that the resolution process has not been as effective as expected. I understand that addressing fraud cases can be challenging, but the lack of success in the initial attempt raises concerns about the efficiency of your fraud prevention measures. 

I urge your team to thoroughly review my case and take immediate action to rectify the situation. It is crucial for my peace of mind and financial security that these fraudulent charges are promptly removed from my account. 

Additionally, I request transparent communication regarding the steps being taken to resolve this matter and prevent any further unauthorized access to my account. A timely and comprehensive resolution is essential to restoring my confidence in your company 's ability to protect its customers from fraudulent activities. I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 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