23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had unauthized money transfers through my PayPal account linked to my credit card. PayPal refused to reverse them. I was able to solve the issue with my credit card company. Now I am trying to close my Pay Pal account. Pay Pal is refusing to close my account. I have called twice and follwed the timeline instructions provided by Pay Pal. They refused to close my Pay Pal account. I need to close my Pay Pal account.
Product: Consumer Loan

GE Capital Retail Bank/Care Credit made payments to XXXX XXXX XXXX XXXX, XXXX that I did not authorize. In the amount of {$6000.00}. Might be a little more. 

XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. These accounts are identified as bankrupt. The bankruptcy was dismissed. You need to remove these bankruptcies from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. 
XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX Identification number : XXXX Date filed : XX/XX/2018
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per previous complaint XXXX. Which was resolved, with conditions of XXXX Completing tasks to finalize my servicing needs. XXXX XXXX has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. XXXX financial should have removed these items given XXXX XXXX was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, XXXX XXXX applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again XXXX XXXX violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting  have caused difficulties in obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have an online banking account with XXXX who uses Axos Bank. I have 5 transactions for a credit reporting site that I caneled a long time ago. I have tried to get in touch with customer service with them to talk about these transactions and tried to see about disputing them but have not had any luck. When I call they tell me that my account is under review and they cant tell me anything about my account. I have tried to link my account number and routing number to different 3rd party accounts to get my remaining balance off since I dont have my debit card and they wont let me change my address to recive another XXXX. So now that my account is under review I just have {$320.00} in my account that I cant use. I dont know any other way to get my funds and I have bills due and cant pay them if this bank wont let me get my money. 

Axos Bank Routing Number ; XXXX Accounting Number ; XXXX Transactions XX/XX/2021 - XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX- XXXX XX/XX/2021 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have conflicting statuses on an account I know nothing about. When I tried to contact the company one person told me that the account was closed, another person told me that the account was open, and another person told me that there was no record of the account. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never opened an account with this company : XXXX XXXX XXXX : Acct # XXXX -- - XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXXease investigate and provide Proof with statements showing that this account is opened or closed and also whether or not it is mine. If proof can't be provided I demand this account to be removed as I have been having problems getting approved for many things and this is affecting my lifestyle negatively. I have contacted them to inform them this is me and provided documentation that it is indeed me contacting them to remove this information from my consumer report. 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.

Thank you.
Product: Debt collection

Do you not know any of these medical bills I 'm a XXXX I 'm also on XXXX XXXX % XXXX I want to dispute all medical have been on medical and XXXX since XXXX XXXX I want this off my credit report
Product: Credit card or prepaid card

Working with Chase bank, I attempted to dispute a reward point based credit card transaction. They said they would not allow me to dispute the charge since it was point based. The dispute is based on Chase 's internal Ultimate Rewards Travel Service which failed to notify me of changes to a flight. They became aware of these changes as documented by the XXXX  XXXX on the XXXX of XX/XX/2020 and did not attempt to notify me of this change until XXXX of XX/XX/2020. Due to the nature of airline pricing, by the time Chase attempted to notify me, I incurred almost double the cost to rebook a flight that would accommodate my originally planned needs. Redacted information from attachments is below. 
XXXX XXXX Reference number : XXXX Chase Ultimate Rewards Travel Rebooking Itinerary Number ( s ) : XXXX Chase Ultimate Rewards Travel Original Itinerary Number ( s ) :  XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To TransUnion, XXXX And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and TransUnion is reporting that I paid in XX/XX/XXXX. However XXXX is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.
Product: Payday loan, title loan, personal loan, or advance loan

employee use my checking account to deposit XXXX i did not authorize this. 10 year ago i got a loan i never been back since so how did they get my information to do this remove me from all their office files compensate for fraud for using my bank account information they can do this again. i dont feel safe.
Product: Checking or savings account

On Thursday XXXX at XXXX PST, USAA lockked by debit card after I tried to use it at the atm, I went into the mobile app and updated my pin. Then I tried again and the atm directed me to call my bank. I called USAA and the rep said my card was locked for fraud for 24-28hrs and I asked why and she could not tell me, so I asked for a supervisor and she transferred me to the fraud dept. The fraud rep could not tell me either until I explained to him that I am a XXXX XXXX XXXX veteran with XXXX ( XXXX and XXXX  ) and XXXX (  XXXX XXXX XXXX XXXX XXXX ) and I need access to my benefit money to pay bills, rent, etc... and 24-48hrs is unacceptable. He talked to his supervisors then was able to reactivate my account. Then at XXXX PST on XXXX, the same day, I get an email and a message in the mobile app stating my account is being locked for suspicious activity and to call the toll free number. I called the number, but guess what, it is after hours and they are closed. So I can not access my money until they open tomorrow and I call back and jump through hoops to get to someone to explain what the XXXX is happening. I only get my XXXX XXXXXXXX benefits direct deposit to this account and it is from the dept of treasury so I do not see what the issue is. I have already filed a complaint to the XXXX  and the FDIC.
Product: Debt collection

Violated provisions outlined under the FDCPA [ unfair practices-15 USC 1692f ]. 

Holloway Credit Solutions in XXXX AL has been making illegal attempts to collect a debt from a minor, according to the verification information they have provided with last XXXX of social and birthdate. 

This debt does not belong to me and information about someone born XXXX/XXXX/1997 can not legally be reported to the credit bureaus. 

This account needs to be removed from my credit file.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Consequently, I have experienced significant inconvenience and financial loss, and I seek suitable assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!
Product: Credit reporting

The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. The information listed on my credit report is too vague/ not adequate information to be reported as well. 

Tax Lien -- -- {$690.00} Public Record Details Reference Number XXXX Date Filed XXXX XXXX, 2011 Date -- Status -- Amount {$690.00} Classification -- Type State
Product: Checking or savings account

My WF Account was transferred to another bank then I had issues with my account.
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized inquiries on my TransUnion credit report that were made without my consent and are negatively impacting my credit score and financial standing. On XX/XX/year>, I submitted a formal dispute to TransUnion to address these inquiries. In my initial dispute, I requested a thorough investigation into the legitimacy of each inquiry and demanded supporting documentation, such as applications, identification, and any verification methods used. I also requested the removal of any inquiries that could not be verified as authorized, along with written confirmation of the investigations outcome and a corrected copy of my credit report reflecting any changes. 

Despite providing all the necessary details in my initial dispute, TransUnion mishandled the process. Instead of investigating the specific inquiries I identified, they either addressed unrelated issues or dismissed the dispute without completing the required steps. I followed up multiple times, clarifying the details of the unauthorized inquiries to ensure that TransUnion was focusing on the correct items. However, my follow-ups were ignored, and TransUnion ultimately dismissed my valid dispute as " irrelevant, '' failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Sections 611 and 609 ( e ), TransUnion is legally required to conduct a reasonable investigation of disputed information and provide all documentation used to verify the disputed inquiries. They failed to meet these requirements by not providing any of the requested records and refusing to investigate or remove the fraudulent inquiries. Their actionsor lack thereofconstitute a violation of federal law and have caused continued harm to my creditworthiness. The unauthorized inquiries remain on my credit report, prolonging the negative effects on my financial standing.

TransUnions dismissive handling of this dispute has caused unnecessary frustration and stress. Their failure to address my concerns properly demonstrates a disregard for my rights as a consumer and their responsibilities under the FCRA. I seek resolution to this issue to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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: Money transfer, virtual currency, or money service

I received a card from Cash App that I never requested. When I called to let them know, they asked for my email address and told me I had to click on a link to cancel the card because they needed a picture of the front and back of the card. I have never had a Cash App card, again, I never requested one and I will not be clicking on any links sent by a company who is refusing to cancel a fraudulent card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from Wells Fargo Bank I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent Wells Fargo account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX  IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.
Product: Payday loan

I was contacted via telephone by a company claiming I took out a pay day loan for {$890.00} in 2011 which I did not. They then sent me a threatening email.
Product: Debt collection

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. 

FIRST COLLECTION SERVICE XXXX Opened XXXXXXXX XXXX XXXX Balance {$180.00}
Product: Debt collection

A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. 
It would be greatly appreciated if you all could assist me in resolving this matter.