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

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Product: Credit card

XXXX XXXX, XXXX To whom it may concern, My name XXXX XXXX, I bought a cognac collection bottle from XXXX XXXX. After I received pictures from her I agreed to purchase it in what I was led to believe was in good conditions. I sent payment on XXXX XXXX, XXXX ( I am dispute in these amount {$340.00}, {$620.00} & {$1600.00} payment to XXXX ). The first shipping bottles was sent on XXXX XXXX, XXXX and I received the XXXX package after 3 long weeks of waiting which I finally received by mail service on XXXX XXXX, XXXX ( if she was sent by XXXX or XXXX I can received package early and less damage because package was lay around and less handle careful .... ), after I opened the package I smelled a scent of liquor which turns out was leaking from the bottle along with a label was stain with damage. At which point I decided to take pictures of it, I sent a notice to her and told her I would like to return it. It is apparent and obvious that the bottle was leaking prior her selling it to me. I tried to communicate with her to return it or credit me for damaged bottle. But she stated and told me old stuff may leak or stain ... that is normal for old stuff ... but I told her ... not for me and I do not buy damage goods. I just want return it! I have done some research to try and return it by XXXX or XXXX to send back to her. But liquid goods that leak are not permitted to send back, if the carrier smell or see something leaking they will destroy on site. It is a waste of my time and money, I received another package on XXXX XXXX, XXXX after 6 weeks and I did not open up because I knew should it be damaged due to the postal service, I would be stuck with yet another leaky bottle ( cheap shipping package lay around so long and not handling careful ... return with receipt from XXXX XXXX XXXX ). 
I was advice from my credit card ( Capital One Master Card ) return Items to the seller ( and I had receipt I was sent back ) I did not get credit back to my credit and I also sent all back up pictures and dowload the document to credit card link on XXXX XXXX, XXXX and fax on XXXX XXXX, XXXX and now my credit charge back to my credit card ... even I was return stuff back to seller & credit card I had insurance to protection to buy I tried to get second pinion/ appraisal for the bottle that was damage but I can not find any companies around in XXXX County , Virginia to do so. I even went as far as to going to pawn shop to ask for a second opinion. Which I had no success for various reasons and them thinking it was some kind of law enforcement operation or sting ( in Virginia only XXXX stores are allowed to sell hard liquor ). I will also be discussing with my credit card company. I can bring the goods to your office to see. ( Capital One headquarters is in XXXX XXXX not too far from my house ). Please let me know of any ideas I can use to pursue to this dispute. 
Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX ACCT # : XXXX
Product: Credit card or prepaid card

Synovus pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report on XX/XX/XXXX without my authorization or permission for a SynovusXXXX First Digital Credit Card XXXX I did not apply for the credit card. The credit inquiry from Synovus is a fraudulent and unauthorized credit inquiry on my XXXX XXXX, XXXX, and XXXX credit report. I have never applied for any accounts from Synovus. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). My dispute, sent on XX/XX/, requested an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect names and addresses listed on my credit report. To assist in verifying my identity, I enclosed a copy of my photo ID, social security card, and a recent bill reflecting my current address. This dispute was sent via USPS certified mail with tracking number # XXXX. However, I received a response from TransUnion dated XXXX stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response indicates a failure on TransUnion 's part to recognize a dispute initiated by the consumer, as mandated by the FCRA. The Act explicitly states that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am providing copies of my dispute letter, USPS certified mail proof of delivery, and TransUnion 's response as proof of my attempts to rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear, Experian I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : A copy of my government-issued ID. 
A copy of a recent utility bill ( to verify my address ). 
A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ] Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

PNC does not connect with XXXX for me to complete and send transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax credit reports and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2017. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
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 for 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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both equifax and XXXX  # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax & XXXX are reporting my balance for a XXXX XXXX Visa incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX visa reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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 a 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: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

XXXX XXXX law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an account on my Equifax credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XX/X/2017, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Equifax continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Equifax said in their own words that information was supplied from the creditor and I quote " Equifax supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Equifax always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else Equifax is hiding, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After applying for a checkings account I was told that there were several inquiries on my consumer report that I did not know about. These fraudulently inquiries affected my ability to open a bank account. I am asking for a copy of my consumer report so that I can dispute the fraudulently information and get it removed. I have previously contacted Chex systematically for my consumer report but it was never received.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from list below, I did not apply for their credit cards, and called Experian XX/XX/XXXX to file a dispute, but they ignore my complaint, and the hard inquiries remains. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This account was opened with out my knowledge. I have been receiving bills that I am not responsible for and I would like to have it removed from my credit report. Please feel free to contact me if you have any questions or concerns.
Product: Money transfer, virtual currency, or money service

I had/have a Cashapp account and they asked me to verify the account with my social security number. When I entered my social security number, the account immediately shut down. That leads me to believe someone is committing fraud using my social security number. I filed a complaint on XX/XX/year> and was given a case number # XXXX but received no follow up. I complained again today XX/XX/year> that NO ONE has addressed my original complaining concerns so I was given another complaint case number of # XXXX. Then told me that they were closing my complaint and only their email support team can answer my questions. But I believe the email support dept is ficticious since I never received a response. So I filed another complaint today XX/XX/year> that they are improperly closing complaints without addressing the concern and was given complaint case number # XXXX. I believe they are purposely giving me case numbers then closing them out to hide the possible fraud going on. I need to know why my social security number initiated closing my account immediately for my only logical reasoning is due to fraud. And their lack of investigating this makes me feel like they are complicit
Product: Credit card

Long time cardholder with CITI, no other accounts with them, always 'pay in full ' by the due date, except for a couple of times I forgot and missed by a couple of days, otherwise 100 %. Recently accepted a $ XXXX 'balance transfer ' offer, advertised as XXXX % until XXXX. When next bill comes in, I pay the balance down to $ XXXX and think nothing of it. Next month, same thing, and think nothing of it. This month I check the statement and they 've charged me interest. I call to ask why, and they inform me that " while the balance transfer amount is interest free, you are now charged interest on your " regular '' purchases " because your balance was not paid in full ''. Fortunately I check the statement to see this. 
This is fundamentally misleading, and they attempt to point me to the language in the CARDHOLDER agreement that says, " If you do n't pay in full on time, we charge you interest ''. Nowhere does it make mention of this in the offer of " zero interest balance transfer '', which incidentally they include with EVERY statement. 

They have, so far, refused to scrub off the interest, despite my 'non-balance transfer ' amounts being paid in full each month. Had I know this was how they would turn zero interest into 24.4 % interest, I would n't have accepted the offer. 
These guys are required to clearly post due dates, interest charges etc - this is a DELIBERATE effort on their part to benefit by most customers not knowing, and they certainly do n't tell you anywhere on the offer. 
I have paid the balance transfer and outstanding amounts off, and I am going to terminate the card as I will not do business with such a shady company. 
I would ask you guys to tell them they must make this in big, bold letters so people understand how they are trying to bait you into paying them interest.
Product: Credit card

WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.