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

I am writing this complaint due to an account that is on my credit report with XXXX. This account has been deemed as fraudulent and hindering my credit worthiness. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give XXXX, Equifax, nor XXXX my consent to disclose my personal public information. Because of this, it is a violation of the law. This account is deemed as fraud and should be treated as such. I have no knowledge of this account and request that it is deleted. 

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

I am writing this complaint to Experian regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Experian is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Experians duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, XXXX Account # : 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
Product: Credit reporting or other personal consumer reports

I am writing to address several delinquent accounts reported under my profile, which I have identified as inaccurate and unverified. Recently, I reviewed my credit report and was alarmed to discover that incorrect information is being disseminated, causing significant stress and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 

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

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, these entries were made without my authorization and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$15.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$22000.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My brother sent me an antique clock by XXXX from New Hampshire to my vacation home in XXXX XXXX XXXX, XXXX. The charge was {$400.00} for this clock. This was sent on XX/XX/23. 

The clock never showed up and got stuck at customs in XXXX, XXXX. XXXX said they couldn't deliver the clock and were going to send it back to NH. I told them to send it to my main residence in XXXXXXXX XXXX instead where my inlaws live as well. 

XXXX never mentioned there would be any charges to reroute the package since they wouldn't deliver it to the original destination as promised. They just said to make a XXXX account and they would send it to that address. I did this then all of a sudden a week or two later I found a {$1400.00} charge on my Capital One  credit card on XX/XX/23. 

This is a fraudulent charge and I never authorized any additional charges other than the original {$400.00} charge to ship from NH to XXXX. 

I have made numerous attempts to dispute this charge and fraud by XXXX to Capital One and neither company will do anything about it and say because we signed up for a XXXX account that gives them the right to charge whatever they want, which is absolutely absurd. It is approximately 30 miles from XXXX, XXXX to XXXXXXXX XXXX and they just decided to charge whatever they wanted without informing me or telling me there would be any charge whatsoever. 

I have email proof of all this and attached all kind of documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, pulled my credit without my consent. Please remove this inquiry.
Product: Credit card

Responded to inquiry on balance transfer / promotion for Chase Slate XXXX  credit card it said to enter your info etc to see if you would qualify and what the terms would be. I did so and it said I was/ would be approved for a balance / limit and to check off box at bottom of screen to proceed & accept terms I did NOT do that ( neither checked off box nor continued to next screen ). Shortly after I received email that introductory info packet & credit card would be coming in the mail with account info. I called the company right away and they confirmed that the credit card was accepted & issued. I clarified that I did Not agree or accept terms nor did I want the credit card and that it was done without my approval. Requested that they stop immediately and close account as well as give me ph XXXX  for supervisor or way I could issue complaint. They gave me anotheXXXX XXXX XXXX I tried calling multiple times but it was busy. A few days later I received the card & packet in the mail. I called to confirm that it was closed but dont think they should be able to do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XX/XX/XXXX IXXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I purchased a money at Western Union, XXXX XXXX XXXX XXXX  XXXX GA XXXX in the amount of {$150.00} debited on my bank card. I immediately went next door to mail it XX/XX/year> usps, they lost the mail XX/XX/year>. I contacted Western Union foe a refund with stub and money order number and usps tracking number. Western Union is charging me {$15.00} plus I have to wait 30 business days to receive a refund minus {$15.00}. The 1st representative told me he would waive the {$15.00} due to the inconvenience. He was to forward me to a supervisor after 1st telling me of the {$15.00} non Refundable fee, once sent to supervisor, they did not budge even after me telling them the previous representative gave me a refund on {$15.00}. I wan na make a formal complaint to cfpb regarding the policies making consumers wait 30 business days to receive a refund. That's illegal!
Product: Money transfer, virtual currency, or money service

( 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 the violations.
Product: Debt collection

I just received another notice from USAA which clearly shows that they have no idea of what they are doing. They are misrepresenting my second payoff check as a request to reapply the amount to my loan. It was the loan payoff check that I was forced to resubmit because their personnel could not read and match the loan number on the original check with their own loan statement payment coupon which was mailed with the original loan payment. A payment they clearly received in time to make an earlier payoff, since they returned that original check to me. Their own rejection form ( all of which has been included with my previous complaints [ # XXXX and # XXXX ] ) falsely claims the payment was rejected for missing/improper loan identification number. Their inability to admit to their own negligence with such messages is becoming a harassment. What is it going to take to straighten these people out?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit card or prepaid card

I purchased two flights to Alabama during the covid pandemic for an parent who was very ill and doctors told me they didn't have long to live. I have immune deficiency issues and wanted to be sure the flight was safe and the airline was practicing social distancing. The airline advertised that they were and I also called and was told that they were only filling the plane to a certain percentage to allow for social distancing and seat changes. This was not true after boarding the plane I realized that they were not practicing social distancing and had filled the plane to full capacity with only two seats left. I was told I would not get a refund by the airline and that I had to file a complaint. Citi NA is refusing to dispute this stating that I used the ticket. I had no choice but to use the ticket I did not know that XXXX XXXX would be dishonest. I trusted them with my health in a pandemic when I was given bad news. I was subject to several tests due to their dishonest claims that they would social distance and limit seating capacity ok the plane. Since my complaints, XXXX XXXX has changed its policies by alerting customers that the flight is a full flight and giving the option to change flights. This was not available when I took my flight not was it offered when I complained.
Product: Checking or savings account

In XXXX, 2019 Wells Fargo closed my account for no reason after banking with them for 2 years. This greatly inconvenienced me as I had to find a new bank, open a new account and update my direct deposits and payment methods. When asked about why my account was closed, they had no reasonable explanation. Due to this, I would like to take part in the class lawsuit currently against them in order to be compensated for my time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Experian : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB We previously challenged an inaccuracy on my Trans Union report # XXXX but as it turned out our beloved Trans Union didn't follow the law no, they sent us a report stating that they had investigated this issue and stated that it was mine. However, by law if you accuse someone of something, in a court of law you have to prove conclusively that what you are saying about someone is true, in other

words, provable, Trans Union fell short of this legal obligation putting it back on the ones who reported it, NOT ACCEPTABLE Trans Union.
Therefore, I have referred this issue over to our attorneys who ask us to report back to CFPB to let you know that if Trans Union does not follow the law and send us undeniable proof of this debt we will be forced to file a law suit against Trans Union who will have to pay for my time and effort, including a fine for this inaccuracy court cost and my attorneys fees. We would also request that CFPB do and investigation into Trans Unions practices to determine if this is standard and if so take the appropriate action to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts in the past couple of weeks to gain access to my Equifax credit report to find out why I can not log into my account on the website. for some reason they're hijacking my account where I can not see what is on my credit report. I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I try to log on and it says I do not have an existing account which is not true. I just called again to find out why I can't log on and have submitted current driver 's license front and back and a selfie picture this morning which is Friday XX/XX/XXXX XXXX they still not allow me, nor can not access my account for me to look at. They've also removed and taken off the fraud alert without my permission and the information they have on my account is incorrect they have my phone number incorrect, therefore I can not log in! I don't know what else I need to verify so I can go and make the necessary corrections they have given me a case number of XXXX. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXXXXXX XXXX!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the charge that was placed on my credit report by XXXX and Diversified Adjustment for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, Diversified Adjustment, and the three credit bureaus ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, XXXX did not remove the charge from its credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine I have writing and calling and I opened an FTC I am now doing a CFPB and I am also getting a notarized Affidavit regarding Identity theft this is not ok to have these on someones credit and bringing someone elses life down is not ok I need this resolved I should not be a victim and pay for this. 


Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  CARD Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXXXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$79.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AAMOUNT {$300.00} XXXX XXXX XX/XX/XXXX AMOUNT {$300.00} NELSON CRUZ & ASSOCIATES XX/XX/XXXX AMOUNT {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the XXXX credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX XXXX I need good credit to get a good XXXXt. This company just destroyed that!
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two years, I have asked XXXX, Equifax, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, Equifax and XXXX keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is using the Corovirus to collect. Saying that I better pay for I die. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.