23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an amount for credit protection to take out of my checking account for 3 months, made arrangements in  XXXX , started taking money in  XXXX ,  XXXX , and  XXXX . They were supposed to take {$180.00}, which they did plus an additional {$150.00} that was never mentioned at all. Because of that I had withdrawn money and it hurt my balance bad, so I did n't have enough money to pay my bills. I did n't see the statement untill  XXXX , when then took out the same thing. I 've never got any paperwork or notice about this. I sent them an email but I sent it yesterday, so I have n't heard anything which I figure will be Wednesday by the latest. I 'm in the process of stopping any more withdrawals from my account.
Product: Checking or savings account

I have a been a Chase customer for over 20 years. I received a notice in the mail that all my checking and savings accounts have been closed. I went to a bank branch. They said they couldn't help. They told me to call the number on the notice. I called and waited 30 minutes and my call was disconnected. I called and was asked for my number so I could wait for a call back. I waited 19 minutes for a call back. When it came I was told to hold. I waited another 10 minutes. Then the call was abruptly disconnected. This was not a cell phone issue. I was calling from a lan line. I simply want to know why all my checking accounts were closed with little notice and I would like to know why my accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a dispute regarding my capital one auto finance report to XXXX a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. Capital one has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. XXXX  refuses to report accurate information. Today I contacted XXXX by phone and they were very rude to me. The agent XXXX  was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe XXXX  profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.
Product: Mortgage

I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.
Product: Credit reporting

An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CAPITAL ONE BANK USA Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

It appears that 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts on Credit Report - Violations of 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ) Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accounts listed on my credit report, as well as potential violations of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I believe that the following sections have been violated : 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ).

Firstly, I would like to address 15 USC 1681eb, which requires you to maintain reasonable procedures to ensure the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified several accounts that appear to contain inaccuracies, including [ Credit Subs DBA Grow Credit, First Primer ]. 

Furthermore, I believe that Equifax may have violated 15 USC 1692e ( 3 ) of the FDCPA, which prohibits the false representation or implication that a debt is owed.

In addition, I have concerns regarding 15 USC 1681S-2 ( a ), which establishes requirements for the proper investigation of consumer disputes. I previously submitted a dispute regarding the aforementioned accounts, but I have not received a satisfactory response or resolution. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with a detailed response within the legally mandated timeframe.

Moreover, I would like to draw your attention to 15 USC 1692b ( 5 ) of the FDCPA, which stipulates that a debt collector can not communicate credit information that is known or should be known to be false. If any of the disputed accounts are being reported by debt collectors, I request that you ensure the accuracy of the information they have provided and take appropriate action to rectify any discrepancies.

Lastly, I suspect that Equifax may have violated 15 USC 1692 ( 2 ) ( A ) of the FDCPA, which prohibits the false representation of the character, amount, or legal status of any debt. I urge you to thoroughly review the information reported on my credit report to ensure its accuracy and compliance with this provision. 

I kindly request that you promptly initiate an investigation into my concerns and provide me with a written response detailing the actions taken to address these matters. Additionally, I request that you correct any inaccuracies found during the investigation and update my credit report accordingly. Please be aware that failure to comply with the FCRA and FDCPA may result in legal consequences.

I would like these accounts be removed off my credit report immediately Thank you for your attention to this matter. I trust that XXXX will handle this dispute and potential violations with the urgency and seriousness they deserve. I look forward to a prompt resolution of these issues. 

Sincerely,
Product: Checking or savings account

Date : XXXX Financial center name : XXXX XXXX Name : XXXX XXXX Employers telephone : XXXX Declination notice was sent to my home address. I received a notice from Bank of America that stated the following : Thank you for your interest in opening a deposit account with us. At this time we are unable to open an account for you. ( See attached for additional details and proof of notice ). 

I, XXXX XXXX XXXX formally named XXXX XXXX XXXX never tried to opened an account at Bank of America in XXXX, AZ. 

I am reporting this as a scam and possible identity theft.
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted across Experian and XXXX due to identity theft and this is only in XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Money transfer, virtual currency, or money service

After the unexpected closure of my Wise account, I received a notification from Wise requesting my bank details to process the refund of the remaining balance. However, upon receipt of the refund on XX/XX/2023, the amount of {$1200.00} significantly differs from the balance I recall having in my account, which exceeded {$1400.00} at the time of deactivation. 

Multiple attempts to resolve this issue directly with Wise by requesting a bank statement to verify the actual remaining balance on the date of deactivation have been unsuccessful. Despite my repeated efforts over a period of more than 1.5 months, Wise has failed to provide the necessary documentation or transparently address the discrepancy in the refunded amount.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the it item I am asking you to verify as accurate : Account Name - XXXXXXXX XXXX XXXX XXXX Account Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion disclosure report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

My information was used without my consent to open these fraudulent charges. I have filed a report with the Federal Trade Commission to remove this fraudulent information from my report. My reason for this complaint is that I have sent previous FTC reports but these fraudulent items are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies ( TransUnion, XXXX, XXXX ) to show me the original contract in agreement to a XXXX XXXX. I wanted the original contract with my name on it yet I haven't received anything besides letters telling me the account was validated. I have attempted this 3 times over the past 6 months.
Product: Checking or savings account

Citibank closed my bank account on XX/XX/XXXX. I opened an account with them on XX/XX/XXXX. The deposit was from a lawsuit settlement. I went into the bank and received a cashiers check then soon after I tried to purchase car insurance and my card kept declining. I called the bank they told my they had terminated their relationship with me with no reason to explain. They said they funds that were in my account were blocked and I am unable to access them for 30-60 days. Ive been calling and reaching out and no one has been giving me updates. My account has well over XXXX in it as I said from a lawsuit settlement. The bank illegally closed my account with no reason.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit, its fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. 

To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.
Product: Credit card

My credit card is now pass due because of an outage or Technical issues within Capital one delaying my deposit to timely pay their credit card bill
Product: Money transfer, virtual currency, or money service

I received an alert from my XXXX  XXXX  stating possible fraud and a balance overdue. I am in good standing always with payments, so the alert was because it did not line up with my current credit history. Upon my review, there was supposedly an online account with apple on a virtual account and a charge of {$2.00}. I have made over 9 phone calls over this month to figure it out and Goldman Sachs and Apple Card can not tell me. They just keep asking me to file fraud claim and they have no idea where this came from.
Product: Debt collection

Everyday at work I keep getting calls from this collection company. My job does n't allow for a creditor to call my work place. I plan on suing the company if I get ton of calls. This causes me to lose money at work and is embarrassing in general.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit card or prepaid card

Made payment on XX/XX/XXXX, credit card says was declined by the bank. When I became aware a few days later, I contacted the credit card agency but told they will present for payment twice, first XX/XX/XXXX. I asked to cancel payment and redo a fresh payment as I did not want to wait till XX/XX/XXXX. Told I could not cancel my own payment. 

Payment was presented again on XX/XX/XXXX and was deducted from my bank checking. 

To date the credit card website continues to list XX/XX/XXXX as my payment being returned, no update to say payment processed on XX/XX/XXXX. The credit card agents and a supervisor XXXX, id XXXX in Massachusetts all say as of XX/XX/XXXX that payment was made on XX/XX/XXXX. The agents do not know why website are not listing the payment and why the reversal of the returned fee has not been removed. 

XXXX continues to say my bank has to confirm the payment and that I have to wait. I find his lack of ability to correct this situation unprofessional, XXXX is not taking ownership of the problem. The payment processed since XX/XX/XXXX and over XXXX or more business days has elapsed and he can not or will not try to resolve the issue. XXXX says I must contact my bank as a credit card agent listens into the conversation as I verify my identity to my bank with my pin or other data so they can confirm my bank made payment. I told XXXX I am not comfortable with that. So as of XXXX he offers no other solution nor a time frame when the payment will be shown correctly on the credit card website. 

Worse XXXX has now blocked my ability to speak to any other supervisor, I called XXXX times, asked last two times for another supervisor but instead all the agent route me to him even if it means putting me on hold for long time frame as he takes his time to get on the phone. 

The hold times to get to a supervisor in this case XXXX is in excess of XXXX or more minutes and each time they agents never check back to say they still waiting. 

At this point I am not even certain XXXX is even a supervisor. He lied saying that an agent told him I was representing XXXX as though as I was not XXXX. I said that was a lie that I never told any agents that and then he said he made mistake. XXXX said that all conversations are taped, so if the company listens they will know he lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. To date, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX  XXXX Account Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} The XXXX  XXXX account listed on my credit report is not mine. I have never opened an account with XXXX  XXXX. Therefore, I request the immediate removal of this account from my credit report. 

XXXX XXXX XXXX XXXX Account Date Opened : XXXX. XXXX, XXXX Balance : {$26000.00} TransUnion inaccurately indicates that the XXXX XXXX XXXX XXXX account was late. I want to clarify that this account has never been late. Hence, I kindly request the correction of this inaccurate information on my credit report.