23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed various occasions with EquifaxXXXX to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and permanently remove and Delete all collections and unauthorized hard inquiries and inquiries from my credit file. 
Equifax and all credit reporting agencies has allow collections companies and attorneys Law Firms and creditors do whatever they want. 
There is a " Fraud Alert " on my credit reports with Equifax XXXX that l requested to be removed and Delete Permanently but credit reporting agencies has n't remove or delete from my credit files. 
Equifax XXXX can not implement and allow collections companies and attorneys Law Firms to report any collections and delinquencies and inquiries and unauthorized hard inquiries and inquiries on my credit reports. 
I am XXXX and Retired and protected under Federal mandated XXXX XXXX XXXX 
Also with respect and request that Equifax XXXX to implement on my credit reports that l retired XXXX on XXXX XXXX XXXX XXXX XXXX to update my credit. 
My credit scores are suffering in the XXXX scores mark because of Equifax XXXX allowing collections companies and attorneys Law Firms do whatever they want with my credit. 
I am a XXXX Military Veteran. 
This is a urgent matters.
Product: Prepaid card

I requested the advertised {$200.00} sign up bonus from chime and I requested to use the advertised XXXX  XXXX  feature and Chime had the nerve to tell me that my state doesn't allow the offers advertised from Chime, which is a false statement because Chime advertised the offers in XXXX  VIA television commercials and VIA emails that Chime directly sent to me Via my email.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr a background check reported out dated infomation about me. They reported a   XXXX   XXXX   from 22 years ago and i was denied employment because of the report
Product: Credit reporting or other personal consumer reports

I logged onto annualcreditreport.com to get my XXXX free credit reports. I was able to get my first one from XXXX and then I clicked on the breadcrumb to go back to annualcreditreport.com to get my second credit report from TransUnion. TransUnion let me save my report, but wouldn't let me do anything else. XXXX kept popping up wanting me to put more information in so they could send me newsletters. TransUnion wouldn't even let me go back to annualcreditreport.com. I had to close the webpage to get rid of TransUnion because of their obnoxious behavior. I thought I was getting hacked. I had to start all over again when I got back on annualcreditreport.com because my session did not resume.
Product: Money transfer, virtual currency, or money service

I have had NOTHING but problems with Venmo! First they suspend my account bc they couldn't verify my identity, I waited XXXX business days for someone to even be assigned to my case to look at it then another XXXX business days to be unsuspended. Then a month later I send money to somebody and all of a sudden I'm suspended again. This was XXXX days ago. They suspended my account for unusual activity. I have a good amount of money in my Venmo account as well as set to get another direct deposit into my Venmo account tomorrow when I get paid so now I have almost half of my funds in my Venmo account that's now suspended again for the second time in a matter of a month and a half because they can't verify my identity but I've sent them my photo ID at least XXXX times. I have contacted them via phone. They tell me that I have to wait XXXX business days to get their security team to even be assigned to it again what I went through just a month ago I have chatted. They tell me the same automated messages even though I chose to speak to a live agent they sent me the same Message you have to wait XXXX to XXXX  days for our security team to look over this. Then I asked for a supervisor the supervisor emails me says the same automated message to me again doesn't give me any reassurance at all just that I have to wait. I have emailed them. I don't know how many times the support team that security team that they claim to be the only ones that can lift the freeze no response ever from them, it is now day XXXX. I have no response from the security team they claim to have. After XXXX  days I finally got a representative assigned to my case. Her name is XXXX XXXX she contacted me finally after multiple emails phone calls only to email saying the same information I've already gotten the last XXXX weeks trying to figure this out. On top of that her and XXXX different people email me with smilie faces and hearts like they are so happy to be alive, like my anger and my account issues are just some joke to them. They know I'm not happy so the sarcastic reactions after taking weeks to reply to me is not appreciated at all!!! She made me upload my bank statement for a payment method that's not even on my Venmo account which is very weird how she even got that info. This was yesterday so I did that almost immediately after she sent me what to do. Waited all day for a reply from her. Emailed her about XXXX times called Venmo. They told me they were expediting the issue and putting in a message for me to her. Still no reply yesterday from her this morning got a reply from her saying that I needed to do it again so did it again and now I've emailed her at least XXXX times again and no reply and this was at XXXX AM. It is now almost XXXX PM mountain standard time no reply this company is just so unprofessional and unacceptable! I attached photos showing how many messages I've sent them! They haven't replied except 2 times. That was yesterday and today this has been going on since XX/XX/XXXX
Product: Credit card

I signed up for the Credit Builder card from Chime, was approved, and was told I would receive it in the mail shortly. It's been two and a half months and I have contacted customer support XXXX different times now. Every time they swear they have the right information for me and every time they say all they can do is send a replacement card in the mail. After the fourth attempt at solving this, the customer service representative abruptly ended the conversation without solving anything, directly after I asked if she was aware that this is a very common issue with Chime users. Also, they keep saying that the card has arrived at my address just for nothing to be there. I'm sick of being lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

My wages were garnished during Coivd- I was struggling as it is- I didn't get no notice or court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I am a victim of Identity theft and I have been requesting that the items I am disputinbe deleted from my Credt report in accordance with the FCRA section 605b. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My employment history is incorrect regarding the dates for my employment with XXXX XXXX. 
The employment verification says I started with XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. My start date with XXXX XXXX is XXXX XXXX XX/XX/XXXX, not XXXX of XXXX. 
This is causing flags on my background check for employment because the dates arent matching. 
Ive reached out to XXXX XXXX XXXX several times and left several messages and sent a letter and its still not corrected.
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 for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report due to fraudulent activity related to a data breach. I did not authorize the creation or association of these accounts and inquiries. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you remove these items promptly. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

In XXXX, I was in need of a loan to move and the television and radio were inandated with advertisements from " 1-800- Loan-Mart XXXX '' I called and they offered me a " title loan '' for {$10000.00} specific to my XXXX Toyota Camry. The payment was and remains a staggering {$850.00} per month. Also, my ex-husband bounced a check to me in XXXX XXXX, which prevented making a payment so I called for an extension to which they repossessed my car, for the payment and charged me almost {$2500.00} to get the car back. The car was in the possession of an auctioneer only XXXX, which is where I retrieved the car from. I have been paying the {$850.00} monthly for over two years and the principle balance or payoff remains just a XXXX less than the original loan. What guidelines regulate the loan industry and why are they permitted to be rude, abusive and lend money like XXXX loan sharks?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Debt collection

I wrote COMMON WEALTH financial to inquire about the medical debt back in XX/XX/2022. They have not responded to my request for them to validate and confirm this debt with me. I did not receive a notice prior to them reporting this on my credit report with XXXX, XXXX or XXXX. I do not consent to sharing any debt I may owe to report in any credit bureau. It is a violation of my HIPPA privacy rights and needs to be deleted. This medical debt is still reporting on all 3 credit bureas. It is inaccurate and is in violation of FDCPA. I asked them to delete it and they have not. So I need the XXXX  to make sure Common Wealth follow the proper guidelines and laws when reporting medical debts. I request that this is deleted immediately.
Product: Credit reporting or other personal consumer reports

There are inconsistencies in late payments on my report. Kindly correct them.
Product: Checking or savings account

MY SSI CHECK FOR XXXX WAS DEPOSITED INTO MY ACCOUNT AND THE BANK REFUSES TO MAKE THE FUNDS AVAILABLE TO ME. THEY ALSO REFUSE TO SEND THE CHECK BACK TO SSI. I AM XXXX XXXX AN I NEED THE FUNDS TO BUY FOOD AND PAY MY RENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to PORTFOLIO RECOVERY regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In XX/XX/year> I entered a XXXX XXXX XXXX XXXXXXXX with XXXX in XXXX for which the stipend was {$2200.00}. This was broken up into XXXX checks : {$900.00} and {$1300.00}. 

These checks were both identical and both from XXXX. 

I deposited the {$900.00} check with no issue into my Truist account and funds were released some 7 days later. 

When I deposited the {$1300.00} check they held onto the funds, pending investigation. 

After much back and forth they asserted that the check was counterfeit, and it was a fraudulent transaction, and that they were refusing the release the funds from this check and closed my account. 

They advised the only way for me to retrieve these funds were for the issuing company to recall the funds. I thus extensively spoke to XXXX who after checking with their accounting and finance teams stated this check was legitimate, the funds were accounted for, the funds had cleared my account successfully, and they sent me documentation of this, which I showed to Truist to no avail. 

XXXX stated they therefore would not be recalling this check unless I sent them proof in writing stating otherwise that I had NOT been cleared of these funds and proving the claims Truist was making that this was a fraudulent check. 

Truist repeatedly denied this request, and gave me the run around, no matter which department I spoke to, or branch manager I was sent to, untimately stating they will NOT be sending me anything in writing as to why they are stealing my funds, nor will they ever be releasing my funds to me Truist bank have effective stolen and theived {$1300.00}, are still sending me my account statements every month with this balance showing ( minus account fees deducted ), but have locked my account with no way to access it.