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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Equifax inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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: Debt collection

my ex boyfriend used my information to get a car loan which I was unaware of I can not press charges because he is deceased.
Product: Checking or savings account

As a previous claim was made, and closed by the Bank of America, I specifically asked them to reopen my claim. There is a fraudulent tool that calls people using the id of any institution, and my call came from BOA. I never had a XXXX account and the man named XXXX XXXX BOA explained someone was trying to withdraw {$890.00}. Of course, we believed him, and using the same verification of id by asking us to repeat the XXXX digit code sent to our cell phone, we repeated it to him. He then proceeded to open a XXXX account, and transfer the money out of our account. Not until the next day when we went to our local bank did we find out BOA had not called us. This is completely unacceptable to us. We are honest long time BOA customers, and feel they should have some type of protection for us. Please research this again since we could sure use the {$890.00}
Product: Credit reporting

I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score. 

Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX. 
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports. 

Thanking you in advance!
Product: Credit reporting or other personal consumer reports

I submitted documentation of federal protections for severe XXXX XXXX victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.
Product: Credit card

I contacted XXXX and set up a job. This job was immediately canceled. The amount of {$160.00} was charged to AFFIRM. 

XXXX ONLY REFUNDED TO AFFIRM {$130.00}. AFFIRM SAID I OWED THEM {$31.00}. 

XXXX SHORTED REFUND BY {$31.00}. 

AFFIRM INSISTED I OWED THEM. 

They continued to harass me even though I provided proof that XXXX JOB was canceled. 

I finally paid the amount I did not owe - {$31.00} out of collections fear
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card or prepaid card

Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Debt collection

I am writing to request validation of a debt you have claimed I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of the alleged debt, and I am formally requesting such validation. Please provide the following information to validate the debt : The name and address of the original creditor. A copy of the original agreement or contract that generated the debt, showing my signature or other evidence that I agreed to the terms. A complete payment history that shows how the amount being claimed was calculated, including all fees and interest added. Proof that you are legally authorized to collect this debt, which includes : A copy of the assignment contract or agreement that legally transfers the debt from the original creditor to your company. Documentation showing the chain of title for the debt if it has been transferred more than once. A copy of any judgment, if applicable, that has been obtained against me. Please consider this a formal dispute of the debt until validation has been provided. If you are unable to provide the requested information, I request that the debt be removed from my credit reports and that you cease any further communication regarding this debt, as required by the FDCPA.
Product: Student loan

Discover Student Loans is taking payments out of my account on the wrong dates that I have created over the phone with loan specialists. Most recently on XX/XX/XXXX, and XXXX, I spoke with specialists to discuss lowering my monthly payment. I currently pay {$680.00} a month. However, this payment increases often as my interest rate goes up. I have been told by multiple specialists through Discover Student Loans that there is nothing that can be done for me. I have asked to lower my monthly payment, increase my 15 year plan to pay them off to lower payments, consolidate the loans, as well as line up the dates closer to my pay days ( biweekly ). 
On XX/XX/XXXX, the company took out {$350.00}. I did not agree to XX/XX/XXXX, I consented for them to take out on XX/XX/XXXX, my payday. This caused me to pay an overdraft fee through my bank. My next loan was supposed to be taken out on XX/XX/XXXX. However, on XX/XX/XXXX, they took out {$420.00}. 
As a XXXX this takes so much out of my income that I am struggling to pay for day to day expenses like groceries, gas, medical bills, car payment, etc. It seems that every time I talk with them on the phone to try to get things fixed, it ends up worse.
Product: Money transfer, virtual currency, or money service

I am the sender I send {$300.00} dollars to someone using money gram on XX/XX/2020 but, nobody can pick up the money, I called money gram many times and also send some emails but they just responded with automatic emails that I have to call, so I called many times they told me the problem was because the person that is claiming the money doesnt has the proper ID, yesterday he claimed the money again with the proper ID and they do not give the money, because I have to resolve the problem So, I cancel the transaction many times they said they can not cancel or they can not return my money to my account, I am so frustrated with that for that reason I need your Help. They just want my money. I have almost a year with this problem Supposed to be waiting for the proper ID of the beneficiary but the problem still there and they dont want to return my money and they dont want to let the person pick it up.
Product: Credit card or prepaid card

Starting to try to close account in which Commerce Bank will not because they say I need to use my reward statements. There is no possible way to contact any number to redeem my rewards ( i want placed toward my balance ) and all the numbers listed do not work or if someone answers they transfer to a line that does not work or have anyone to know how to handle. Days and hours have been spent trying a simple transaction and I believe it is a strategy design to not allow a consumer to close an account with them. Highly illegal and should be looked in to. I am a senior and I am being discriminated against and this bank has illegal practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a charge off on my file to XXXX, Equifax and XXXX. 

On the account, the date of last payment is reporting XX/XX/XXXX for XXXX and XXXX and XX/XX/XXXX for Equifax this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within 5 days of receiving this dispute
Product: Credit card or prepaid card

A few months ago I went online to check my accounts. One of my credit cards had a balance of {$7800.00}. Called Bank disputed the charges. Looked at my other credit card, {$2500.00} worth of fraudulent charges. I called Bank reported it. At this time I withdrew all my funds from the bank. I can no longer trust a bank that does not protect the finances of their customers. The bank supposedly has been working on these fraudulent charges for quite a few months. I am extremely livid about what has happened. During this time dealing with the bank has been extremely difficult. I have suffered emotional stress significantly based on the situation. Drink all this time I have tried numerous upon numerous times to call the bank and find out the status of the investigations. Each and every time I have called, I get put through department to department of department only to get extremely rude customer service that talks over you and does not listen to the customer. I can no longer speak to this bank or call them based on emotional distress. I also filed a dispute and a charge of {$130.00} back in XXXX. I was told if the merchant does not reply within 60 days that money will automatically come back to me. It is the end of XXXX, I have yet to see the funds. One representative says the credited my account with the I asked how they can credit an account that's not there as it's been closed. No answer. I talked to another rep, she said the account was closed so they sent it back to the merchant. Two different stories. At this point I do not care who's got the money. I am really becoming quite ill in dealing with the situation. It is now affecting my health none of this is necessary. If Bank of America would do their job and protecting the finances of their customers, this would never have happened. I do not trust Bank of America with one red cent. I want nothing to do with this Bank whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is mailing correspondence and credit report and dispute results to the wrong addressee. The name of the Equifax mail does not match the name of the credit report.
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 customer 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 


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.