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

I regularly keep up to date with my credit report and using the XXXX XXXX app it pulls in my credit report from TRANSUNION and XXXX. 

My XXXX credit report is correct, it only displays my name and accounts associated with me. 

My Transunion account is the one I am filing a compliant about, This account is not only associated with me, but has another name XXXX XXXX on it, along phone numbers, addresses, and numerous accounts/loans that are associated with this person, I have no knowledge who this person is, have never lived at these addresses or taken out these accounts. 

On XX/XX/XXXX I called Transunion to file a formal dispute to get XXXX XXXX 's name, address, and various accounts OFF of my credit report. 60 days letter I received a letter in the mail that removed a few of her accounts, but did not completely remove her name or all of her accounts. In XX/XX/XXXX, I noticed my account was used by her again to open an auto loan with XXXX XXXX, a high interest loan for $ XXXX that is hurting my credit score. 

Today, XX/XX/XXXX I filed another formal dispute with Transunion in an attempt to remove all mentions and associations of XXXX XXXX off of my credit report, but since they did not correct this in XXXX I wanted to file a formal complaint with the Bureau as I am unsure what else I can do. 

Again, I would like to state that the XXXX credit report is 100 % accurate so it is increasingly frustrating why I am having issues with my Transunion report. I am just asking for my Transunion report to 100 % reflect my credit report, not XXXX XXXX 's.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX 's XXXX XX/XX/year>. Due to me being in bankruptcy, my financing options were limited. However, I was told that I could refinance my vehicle after getting out of bankruptcy. I was scheduled to get out of bankruptcy the following month in XXXX. I could not wait to purchase the vehicle because the vehicle was purchased for my daughter going to XXXX. I paid my car note every month, but the balance did not move. My balance stayed at {$20.00}, XXXX for XXXX months, then it went to {$19000.00} for XXXX months. I am currently unable to refinance because other companies are saying the loan request is too high. I would like to resolve the issue so I am able to refinance my vehicle. I do not want to lose the vehicle because the vehicle is used for my daughter 's transportation. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on XXXX and Transunion
Product: Credit card

CitiCards CBNA : Account XXXX. is XXXX ( {$7500.00} ) has violated my rights but allowing a criminal to open this account in my name & ruin my credit & charge up fees. Please cancel this card & delete it from my files. I have a police report & FTC report attached to this complaint. 

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX of XXXX, I was selected as a Vendor for Super Bowl. I purchased nearly $ XXXX worth of promotional items from a highly recommended company that promised a 1-week delivery. 

After 2 months and no delivery, On XX/XX/XXXX, I opened up an investigation with Wells Fargo with a claim of ( DID NOT RECEIVE PRODUCTS ) on both accounts. 

The first account ( Claim XXXX ) ending in XXXX XXXX Card number ending in XXXX ) in the amount of {$41000.00} through 4 product orders. 

The second account ( Claim XXXX ) ending in XXXX XXXX Card number ending in XXXX ) in the amount of {$38000.00} through 4 transactions. 

The agent reached out on XX/XX/XXXX, and offered to issue a provisional credit while they investigated. They did provide the credit. They also asked me to email the invoices to XXXX. 

I sent the emails, but later found they were sent to card claims instead of cardclaim, which was my fault. After speaking with the rep to confirm the right email address, XX/XX/XXXX, I then sent it to XXXX. 

I received automated kickbacks with the subject : " Read but do not reply from Wells Fargos Claims Assistance Center ''. The following email read " Dear Customer : Please do not respond to this email. If you have questions or require an update about your claim, please call us at XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX, or Saturday, XXXX XXXX. to XXXX XXXX. Eastern Time. We can provide assistance in other languages at this number. We are unable to respond to claim questions through email. Thank you. We appreciate your business. Wells Fargo Claims Assistance Center '' While I reached out to them over and over, I found they had mislabeled the dispute as " SERVICE NOT WHAT I EXPECTED '' Instead of " PRODUCT NOT RECEIVED '' I notified them numerous times that they mislabeled the dispute reason, but was ignored numerous times. I was escalated numerous times, only to be told it'll take 1, 2, 3, and more business days each time with no results, nor update. 

After growing tired, I notified and filed a fraud claim with XXXX Directly after being escalated and getting through to their back-end lines. I was told that there had not even been investigations filed by Wells Fargo to XXXX. 

Not only am I frustrated at Wells Fargo for not investigating what they dropped the ball on. My account provisional credit was also taken from my account causing my account to go into the negative and causing issues with payroll. 

Upon reaching out to them voicing my complaint, I was given the runaround again as if they can care less that I had been ripped off of $ XXXX and saying the claim has been closed. Yes, the same claim that never started an investigation with XXXX. I am opening this claim and plan to sue Wells Fargo for damages and losses if this is not rectified with them doing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.
Product: Credit card

I opened up account with Indigo credit card. It's said nothing about it being XXXX annual fee in the promotion. Even when I got the paper work I didn't see it was done online. They are taken advantage of people with poor credit and over charging annual fees. On a XXXX credit line I got XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to consumer reporting agencies ( XXXX, XXXX, EQUIFAX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected from erroneous reporting in my file are listed 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

Equifax previously stated the inquiries listed on my credit report could not be deleted, however, on XX/XX/2017 all inquiries were deleted except one. Upon checking my credit report today XX/XX/2017, the inquiries were reinserted to my credit report without any notice.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on NORDSTROM/TD BANK USA . Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

NORDSTROM/TD BANK USA XXXX XXXX {$570.00}
Product: Credit reporting or other personal consumer reports

Per the attached screenshot, I discovered on XXXX that my score back on XXXX decreased by XXXX pts bc Experian took me off their Boost program bc allegedly my address changed with my XX/XX/XXXX. Nothing has changed with XX/XX/XXXX & Experian, however, Experian shows physical & Mailing address on my credit report which is correct but the address with my bank is still the po box that Experian also has. I tried to fix online with Experian & got a message my bank needs to contact Experian. I never received any notification from Experian this would have occurred and I'm trying to get a mortgage loan to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/14 XXXX and online company that claims to provide you with an up to {$8000.00} credit loan misled me. Once I entered in my information on their app I received a message that I was signing up for a credit builder program as soon as I saw this I closed out of this app as this is not what I agreed to. A couple days later I had a {$10.00} charge and {$36.00} charge deducted from my bank account. This was not authorized. I reached out to the company via chat and was informed they could not help me via chat. I have continuously tried to reach them via their customer service number and you receive a message that no one is available and then hangs up. I have emailed them multiple times and receive an auto generated email that states they have received my email and no other response to my concern. This company needs to be investigated for fraudulent activity and I need the funds they have deducted from my account to be refunded immediately and to make sure they are not able to deduct anything else from my account.
Product: Debt collection

CREDIT CONTROL CORP failed to validate debt and prove a contractual agreement. Several rights were violated. Company 's Response was as follows CCC serves as an agent for the original creditors who own the debts assigned to us for collection. We do not purchase debt and are not subject to debt validation requirements for debt buyers. The debt is not mine. 

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I have a debt collection reporting on my credit that does not belong to me. I have no knowledge of the matter nor do I owe any debtors based on the information provided. Under no circumstances have I authorized nor given anyone permission to do so on my behalf. The information being reported appears frivolous and has no merit. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists. I ask that this debt be removed and or deleted promptly.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft, fees that I have incured. Despite having sufficient funds when transactions were authorized, I was charged lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled either insufficient balances despite initially available funds. I believe these practices are unfair request an investigation into my account.
Product: Debt collection

debt validation requested never received anything from the company till I sent a letter to credit bureaus. the company has no license to collect in the state of Texas was canceled years ago making this collection attempt illegal delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters off on XX/XX/2023, from the XXXX office here is my receipt number XXXX XXXXXXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to RPM  services LLC on XXXX Is not mine XXXX XXXX XXXX XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Product: Credit card

I signed up with an online binary options broker ( XXXX ) located overseas and deposited {$250.00}. Then I learned that the CFTC and the SEC prohibit foreign options brokers from accepting, targeting and marketing to Americans because of the high rate of fraud. I have experienced great difficulty with this broker : altered trading clocks, frozen login, non responsive emails. Just like the CFTC describes in its website. I opened a dispute with Citi Bank credit cards but they denied even though I submitted ample evidence. They took the broker 's response at face value and ignored the fact that XXXX and XXXX are approving transactions involving illegal merchants, which I was unaware of.
Product: Credit card

I paid my Apple Card in full XX/XX/year> and closed the account. There was a {$0.00} balance when I closed it and no additional interest showing at the time. In XX/XX/year>, I received a paper statement from Apple stating that I owed {$7.00} interest from XX/XX/year>. Since I was only able to pay my bill on my phone and once it was closed I lost access to this, I had to XXXX how to regain access to my account. There were no instructions on the statement how to access my account. I reaccessed my closed account and made the {$7.00} payment. I then called Apple and asked why I never received a statement and why I had a balance. They said a statement was sent to the email address on file. However, I have had several complaints with Apple about my email address being invalid and not being able to receive gift cards they were trying to send me. They have told me I couldnt change my email address and so I havent been able to receive communication from them. I was never given proper notice that this balance was due. I have never been late on a bill and now my credit score has dropped XXXX points. Apple should have noted in the file that my email address did not work and allowed me to add an email address that worked. They also should have mailed me a statement to begin with or called me before anything was reported late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are 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 mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
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 violates Consumer Fnancial 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 unfair, and deceptive and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations