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

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report, which caused XXXX XXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this XXXX XXXX XXXX XXXX account after the investigation.In my dispute, I disputed the amount and payment history reported in my file, I contacted the company back in XX/XX/year> and again in XX/XX/year> and the response has been the same THEY DONT HAVE RECORDS OF THIS ACCOUNT and its still reporting on my credit. 
In accordance with the fair credit reporting Act only properly and validated information is supposed to be reported in your credit report.

This account needs to be removed from my credit report immediately.Please delete the account since they don't have any such record and send me an updated credit report.
Product: Payday loan, title loan, or personal loan

Over 5 month ago I applied for two nummbers of leases in the amounts of XXXX $ for a mattress and couch with turned to XXXX, 26 number of payments of XXXX tax excluded. 
The second lease was in the amount of XXXX turned to XXXX, 26 number of payments of XXXX tax excluded at shop for 3 initialed services in 3 days, Day one after leaving the shop i found out that they have broke a piece in my vehicle and they have stole my personal belongings, i called the shop and explained the situation and they refused to fix it, i tried and called Acima to at least get the other two un-received services off the lease the person assisting me agreed to contact the shop and take care of it. 
I now have paid more than 50 % but that most be it, I believe I have paid enough with all the suffering.acima absolutely didnt show any care about my requests.
Product: Credit card or prepaid card

Requested a balance transfer from Wells Fargo, XXXX the bank is XXXX XXXX who says they have never received a transfer from Wells Fargo of any amount for this account. This started back in XX/XX/2019 continual communications with customer service by phone with always they were going to look in to it and get back with me but it never happened. Call to my house started with statements on how this was going to hurt my credit, it seemed like I was getting statements every 2 weeks showing the account was delinquent and the late charges kept building. I finally wrote them they responded to give them a couple of weeks and they would get back wit me, after 2 weeks they said they needed more time and after a while they came back with a number that was 15 letters long and said this was some sort of transfer number that proved it happened. 
I got with XXXX XXXX and they said the number meant nothing to them and only Wells Fargo new what it meant. Calls continued I wrote another letter got the same response and it is being reviewed. Mean well I got anther call I was passed to 4 people the last one was not available and was to get back with me but never did. They said that it was getting ready to be charged off and if I paid {$25.00} it would keep it active in this department told them paying anything would be admitting I was wrong. This was XX/XX/XXXX?
Product: Payday loan, title loan, personal loan, or advance loan

I called on XX/XX/23 and made a payment. I don't recall if I gave them a credit card or bank information but I received a confirmation number ( XXXX XXXX XXXX ). Evidently, through no fault of my own, the payment did not happen. I received a call from the company stating they will charge me {$100.00} because they did not receive a payment. Since calls are recorded by this company, I think they should listen to the call and know that the payment was made, figure out what happened and refund the {$100.00} fee. I concede that they did not receive the payment but the {$100.00} fee should be refunded because it is likely due to so error on their end that they did not get paid. They have no indications of a credit card rejecting the charge or a bank indicating insufficient funds. I have made the XXXX and XXXX payments as well as the {$100.00} fee but am asking this company to refund the {$100.00} fee.
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 ( 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 these violations.
Product: Checking or savings account

I had a mobile check deposit that I put into my bank and I got in the mail through XXXX  and I guess it was a bad check I don't know I just got it from a company for a survey so I put it through and they this is through Citibank and they did not want they did not contact me email me tell me my account was getting closed or nothing until today and this happened on Sunday night which would be the XXXX of XX/XX/2023 and so they close my account and I asked him why and they said they couldn't tell me and they closed it for a check that I still pending I never touched the money nothing and I had funds in there from my direct deposit from my paychecks and now they're telling me I have to wait 60 days to get my money and it's it's creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it's my direct depart my checks were going in there and everything and they took my money and everything and they wouldn't they can't they won't give me a reason I've called numerous times yes I've gotten upset and I've also asked to talk to him of supervisor and they declined to let me talk to the supervisor even fraud prevention declined to talk to me to talk to the supervisor she told me they'd call me back and I never heard from him I want to file a good complaint I would really like to sue him so if I can let me know
Product: Checking or savings account

Today XX/XX/20 my account randomly closed with Chime Bank, I have money in my savings as well as my checking account. I was told to contact Chime Support through email to find out what happened, Im currently waiting for a returned email. As I XX/XX/XXXX reviews on Chime I noticed that there were multiple recent complaints with this same problem a lot of the complaints stated that they have not received their funds back. Today I am Reaching out to you all for help I work hard for my Money I cant afford to live without my funds I have a family, I have bills, I need help.
Product: Credit card

On XX/XX/XXXX, someone made XXXX requests for credit cards on my behalf and using my personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One, XXXX. I know that a credit card from Capital One was approved for {$1000.00}! I received an XXXX notification on my phone, I previously had a personal account registered with Capital One, and my phone number was linked there! I saw a new credit card in my personal account and immediately blocked it! On XX/XX/XXXX, I received a message that the credit card had been delivered! to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I saw this information in my personal account! This credit card is currently blocked. but, there are still other requests for credit cards that I can not verify!
Product: Money transfer, virtual currency, or money service

Our Mortgage holder, Mr. Cooper ( Nationstar ) withdrew funds, without consent, between XXXX XXXX-XXXX XXXX XXXX. The amount of each withdrawal is {$1300.00} totaling {$2700.00}. Our bank account ( held with XXXX ) is now overdrawn and will likely incur overdraft fees which is {$35.00} a charge. We have bills to pay and now we can't make and payments or purchases without being declined or charged a fee. 

Our account is NOT set up for automatic payments. We schedule our mortgage payments or submit a payment. 

I have called " Mr. Cooper '' four times on XXXX, requested call backs twice, and submitted two " tickets '' through their website and attempted to communicate via their " live chat '' which is saying " it is not working at this time ''. All of this is documented. Mr. Cooper has not answered calls, messages, or returned my call at the suggestion of the automated phone bot. 

There are others posting on Mr. Coopers social media sites that are experiencing this issue, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my Transunion and XXXX credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with Tranunion and XXXX. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with Transunion and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for Tranunion and XXXX to verify. The account still remains on both of my credit reports with transunion and XXXX, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.
Product: Credit card

I have a XXXX XXXX credit card with Chase. It is set up for automated payments ( full balance ) every month on the due date of XXXX of the month. On XX/XX/XXXX ( due date ), the automated payment did not go through due to NSF in my bank account. My bank ( XXXX ) informed me that a payment failed. I went into the Chase app to make the payment, but it said " pending '' AND showed a XXXX balance due! On XX/XX/XXXX, Chase tried again and successfully took the money owed. Consequently, for the " late '' payment, they charged me $ XXXX in interest, which they did not email/notify me about. They also did not take the {$110.00} payment through the automated setup. Now, in my XXXX statement, they charged me $ XXXX of interest fees, because there was an " outstanding balance '' on the account. Now, to be clear, after speaking to a couple of people ( including a supervisor ), they have reversed the charges so this is more about what needs to change : There are many things wrong here that need to be fixed : XXXX. They should inform me about the interest charge and give me the opportunity to pay it right away. They email and text for *every* transaction I make, but omit letting me know about the interest fee? 
XXXX. I called them and asked to move my automated payment date to 4 days before the due date ( to avoid such a situation in the future ) and they said that they have no way of doing that. If I set an automated payment through them for the full balance, I can do it ONLY FOR THE DUE DATE. This causes a snowballing of interest and late fees in an event of a failed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Experian credit reporting agency. I have been a victim of identity theft and have provided all requested documents to clear my name. However, Experian have not blocked the information pertaining to fraud according to the Fair Credit Reporting Act. This matter is urgent and requires prompt attention. I have file police report in the past and FTC report recently to resolve this issue. Please assist me in getting this matter over and done with. I am not responsible for the underlying accounts listed in this complaint. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX, TX XXXX ( XXXX ) XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX TransUnion / XXXX XXXX XXXX
Product: Debt collection

I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my (  Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorizedXXXXfraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX, XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX  from XX/XX/XXXX2020 XXXX IXXXX from XXXX XXXX, 2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

XXXX is reporting multiple times and for several different amounts when these loans have been consolidated and put through the XXXX department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX