23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I will send this message to Wells Fargo Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Dear sir, I would like you to investigate my business card ending in XXXX because of the several issues by illegal usage of my credit cards offered by XXXX XXXX and some problems with XXXX XXXX XXXX XXXX XXXX to make sure future safe usage of my credit cards. One of the concerns, which I have checked my account in your company website was that I have received the notification that my business card was meant to be closed in 15 days last month. Therefore, I have strong feeling to be checked for safety. Unfortunately, I discarded this letter from your company. 

Sincerely,
Product: Credit reporting

XXXX disclosed that I was paying significantly higher insurance premiums due to information in my credit report. They arranged to have TransUnion ( TU ) send me a copy of their report. I had never seen it before and discovered that it had highly inaccurate, false and misleading information which appeared to leave a 10-year " gap '' in my record. The proper explanation is that : in XX/XX/XXXX I was upgraded to an XXXX XXXX XXXX XXXX XXXX XXXX with high credit limits replacing my original XXXX card started in XX/XX/XXXX. It became my primary credit source for the past 16 years. The face of the card clearly states that it continues my XX/XX/XXXX membership. TransUnion erroneously reports only the old card which was superseded in XXXX XXXX as having a {$0.00} credit limit and closed 10 years later in XXXX XX/XX/XXXX without explaining the actual change which took place. On XXXX XXXX I called TU about XXXX-XXXX AZ time and talked to XXXX . I asked that TU provide the above explanation as to what really happened to the old card EITHER by verifying it with XXXX Credit Bureau ( whom I authorized to give information to TU ) OR by allowing me to provide such a statement correcting my credit report. I then talked to his Supervisor, XXXX, who confirmed to me the points listed below which were stated by the TU rep accuratly reflect TU 's policies. I believe these stated policies conflict with my rights under FCRA. TU 's policies are : 1. TU is mainly a reporting agency of data given them by whichever creditors chose to file periodic reports. It is " not our job '' to seek out or investigate any missing information brought to our attention which might adversely affect a consumer 's credit record. 2. I asked how I could proceed to file a grievance or appeal on the omitted information. I was told that TU does not have any such procedure for doing this. 3. I asked if I could provide a brief statement giving the true and correct description which explains that certain credit information is omitted and why. I was told that consumers are not allowed to give their side of any dispute or denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$5100.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i had open a bank account with XXXX XXXX, with it been so recent obviously i couldnt have a debit card right away to have access to funds. i had a cash app account well i decided to go ahead and transfer {$400.00} over and have it handy within seconds according to cash app it available in minutes.Thats when my nightmare starts XXXX eve no money in bank or no money in cash app. I tried to contact cash app, but obviously they have no live customer services making it the worse to get an answer. On one hand cash app no response, other hand ( than they understand and that they will do everything they can to make it right and keep me happy key bank was willing to cooperate ) This goes on yet still today and nobody can do anything about i have over 100 emails back and forward including one from XXXX stating that the funds were in fact returned on XX/XX/2020, with time, date, and where funds were directed, they cant even provide me with a tracking number, or a transaction history or number. 
Cash app rejected the funds to a card that is not even my card, its from XXXX  XXXX XXXX. instead of sending back to my bank which is XXXX XXXX 
I need someone to have the courage to step up to do what they believe is right. This Company is gon na keep doing this every day and this cash app, or bank will go out of control. Not even the XXXX  can make them response to the complaint. 
I wish somebody would guide me the right direction. 
Every email that I have received from cash app has been about how much they care about me and the privacy of my account but never got a real answer or a definite answer on where my money is people live on pay check to pay check and can not afford to lose a dollar. 

P.S today marks over 75 days since i have not had a clear answer from cash app they always say ur case has been closed due to you because u havent contacted us in three or more days This is the lamest idea i have ever heard you guys should be embarrass for what ur doing to people that really need it. 
This really the last email before i seek legal advise.
Product: Credit card or prepaid card

I made a {$200.00} payment on XX/XX/XXXX and requested to be allocated towards a promotional balance of {$200.00} which expire on XX/XX/XXXX and taking money from XXXX promotional purchase and transform it towards another one, which makes it more than the original purchase was. I made a promotional purchase from XXXX on XX/XX/XXXX for the amount of {$240.00} and posted to my account on XX/XX/XXXX. I returned an item and received a credit the of {$190.00}. The credit didn't apply to my original purchase, Instead, it was applied to a promotional purchase that's expired next year on XX/XX/XXXX and money has been taken from XXXX original purchase in applying it to another without my approval.
Product: Credit reporting or other personal consumer reports

I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that
Product: Debt collection

This company ( Perdue Brandon Fielder Collins and Mott, LLP ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the year of 2020 equifax has been allowing creditors to post onto a credit report without first receiving and correspondence companies. I have been fighting with companies to remove items from my report until I receive a letter to dispute the charge. Companies are getting my phone number from equifax. I have emailed the company multiple times and even posted disputes.
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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX and list of Inquiries 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: Mortgage

Spent 1/2 hour on the line with PHH Mortgage and my new lender XXXX XXXX XXXX and after EXHAUSTIVE verification that it was me, they STILL refused to share required information. They demanded the request be made IN WRITING and require 7-10 business days to authorize the communication with the new lender. Spoke to XXXX employee ID XXXX and then to supervisor XXXX employee ID XXXX who stated loans for properties in Iowa, North Carolina, Vermont, or Texas, Home Equity Lines of Credit or HUD loans needed to submit requests in writing. My loan fall under NONE of these categories.
Product: Credit reporting

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage XXXX XXXX ( XXXX ). I have not went car shopping, and do n't know why it 's on my credit report. 
XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

My complaint is that I have been scammed for approximately {$1300.00} through my card through online purchases from XXXX, XXXX, XXXX, and XXXX. All of these purchases happened on the dates of XX/XX/XXXX, XXXX and XXXX. I had filed a complaint and was provided a new card but the fraud department had claimed that the purchases show delivered to my address and that this was not a scam and had closed the claim. This is not true and XXXX first of all has to send a picture of all packages delivered to the houses. I do not have an XXXX account either for any of these purchases. It is absolutely ridiculous if they were to just look at these transactions it is 100 % red flags and they are easily scam purchases. If you look through all my transactions I have never been to XXXX. As well as the XXXX purchases are clearly fraud they are {$100.00} and over back to back. It is important to know that I have received 2 new cards since then.These transactions were on my 2nd to last card and therefore my accounting number will be different now. I will attach files of all the fraud transactions to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted a request for investigation into XXXX as there are several lines on this trade line between Experian, XXXX  and XXXX  which don't match. Experian responded on XX/XX/20 that they were verified. I then requested on XX/XX/20 that they show me how they verified this information. On XX/XX/20 they sent me a report that told me it had been updated ( this did not answer my question ). So on XX/XX/20 I asked again for Experian to send me any documents to show how they verified this item. Again on XX/XX/20 they send another " Updated '' response and did not address my question. Finally on XX/XX/20 I sent a request which stated " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested ''. For that I received a response on XX/XX/20 which showed the Outcome as Updated. I still have yet to receive a response which shows HOW the information is verified. Per the FCRA 611 ( 6 ) ( B ) ( iii ) I have requested a description of the procedure used to determine the accuracy and completeness of the file on different occasions and have yet to receive the appropriate response. I know that this is an old account and won't make much difference in my credit report, but I was under the impression that the rules were made for everyone to follow.
Product: Credit card or prepaid card

CFPB did not solve and to did not transfer into my complaint another solve or district Court for me
Product: Credit card or prepaid card

In XX/XX/2020 I tried to pay off the high interest balance on a card issued by Syncrony Bank. I was told that any thing over the regular payment will be applied to this balance. I made my regular payment and a couple days later paid another {$100.00} to pay off the high interest balance and what's left to apply to special promotional balance. We talked on the phone to make this arrangement. Then in XXXX, again in XXXX, in XXXX, XXXX and XXXX I have had this same conversation. Every time they tell me this is fixed. Every month the statement proves it is not. It is now XXXX. It is still on my statement. 

I need help getting this done. Please help me pay off the high interest portion of my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Product: Debt collection

Phoenix Financial Services was made aware that the account that their company held under my social security number with an account in the amount of {$1800.00} were a result of identity theft and did not belong to me. Phoenix Financial can't verify this account as mine and has no legal document bearing my signature. Phoenix Financial Service did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Phoenix is continuing to report inaccurate information onto my credit file. Not only that how can Phoenix Financial verify anything medical with a credit agency being that I have never signed HIPPA form authorizing them to have access to any of my patient information.
Product: Checking or savings account

back in XX/XX/ I notice that there was charge for XXXX XXXX  coming out of my account that I didn't authorized. when I first noticed this was XXXX XXXX. I contacted PNC BANK and told them I didn't authorized this. Pnc Bank did there investigation and came back that it was not a real company and credited my account for {$19.00}. When I contact PNC bank at that time they notice that these charge has been coming out of my count for a year. they advised me to print out all my bank statements for a year and take it to the local branch. I did that. then pnc bank told me that they will not refund my money back that I have to contact the vendor. my thing is pnc don't want to credit my account for the {$2900.00}. over the year I had several new debit cards from pnc for fraudulent activity. but each time pnc was connecting the new card to the old card so whoever was making these charges was still able to do so. I just want PNC BANK to refund my {$2900.00} back in my account. 
.
Product: Debt collection

Date XX/XX/2023 Alleged account number XXXX. 
Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Product: Credit card or prepaid card

On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I didn't given out my information to these companies. Someone stolen my information. I am a victim of fraud. Now i have inquires on my account.
Product: Student loan

I just started paying back my student loans in XX/XX/XXXX. I received my first statement from Navient with my amount due and due date and could n't believe it. The amount due was over {$900.00}. I 've called Navient multiple to ask if my monthly payment can be lowered and they wo n't due anything for me. All they tell me to do is have my cosigners call and give financial statements explaining why they ca n't help me pay back the loan and then they can see if I qualify for a repayment plan. So even if my cosigners called, there 's still no guarantee of lowering my payments. I explained to them that I do n't want to get my cosigners involved. I told them I want to repay my debt myself, but they need to work with me to make the payments more affordable. But as of now they still are n't trying to work with me in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and Transunion they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX California Case No. XXXX. 
On XXXX and Transunion- the false reporting did not happen until after i already filed the lawsuit against XXXX/US Dept of Ed . I showed both XXXX and Transunion that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against Transunion and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name XXXX and Transunion in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Product: Credit card or prepaid card

I have a problem with Capital One Quicksilver XXXX. I started out with a low credit limit. Over time, without my permission of knowledge, Capital one raised my credit limit and level until it became unmanageable to me. I had my payment set at XXXX dollars. Eventually the payment became more than the minimum. I did not notice this. I did not receive any notification whether by phone, email or text. I am not sure how long I have been getting dinged with XXXX dollar late charges but now I have an obscenely high interest rate, I'm struggling to pay this amount down and the interest alone is well over XXXX dollars per month. This type of predatory lending could happen to any person of any education level. This is especially difficult with the obscene interest rate combined with high levels of inflation in the economy. I am trapped. I really wish Capital One would have made an effort to reach out and ask for my permission to raise my credit limit AND let me know that my automated payments were no longer sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to experian and Experian is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and Experian needs to do the same.