23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've had XXXX credit card accounts in good standing, I kept with my 2 year agreement with XXXX XXXX to not have good credit. But as everyone knows Monthly phone bill service fees changes with every bill. I been with them for 4 years and could n't afford the drastic bills so I paid the last month and current bill and alerted them sooner then late to deactivate service due to me not being able to afford it anymore an I was switching to a prepaid service through a cheaper company, They messed up my report with a fee that I could n't believe after I was in the hospital for 3 weeks after XXXX. I was receiving bills from them and debt collectors that never should n't been. My closes sibling died XX/XX/2014. My hours got lowered due to my job not having many resident 's living in the facility. I 've contacted both companies XXXX and XXXX about what was going on and that I was doing my best to keep both active. I pay rent, daycare fees, utilities, phone bill, car note/ car insurance. Being a single mother of XXXX children I fell behind on a lot of payments not just theirs. I 've called them then and currently calling to not be put into collections and for them to keep my accounts open/ current so that my credit score would n't be very poor and the people that I speak with be so rude to me. I recently had an friend refer me to an non profit organization that is keeping in contact with me and has all the information on my accounts to help with paying them to current and they still wo n't work with me at the credit company. I just got approved for section 8 housing to benefit me and my children so we can live a little better without struggling paycheck to paycheck and I cant even move because my credit score is to low for some land lords and I have an bad note on my accounts that they have put on there even after I 've tried to make plans with them. Please if you can help that will be a blessing for me and my family due to our current lease ending XX/XX/XXXX and I wo n't be able to afford to renew lease because it will be higher than it is now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service a

nd 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, credit repair services, or other personal consumer reports

This is in regards accounts being reported by XXXX, Transunion and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from Transunion in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

On XX/XX/XXXX, I applied for assistance via our mortgage company, Planet Home Lending. Between XXXX, I provided them with all of the documents they requested. On XX/XX/XXXX, our application was marked completed and we were told it would take XXXX days for us to receive a response. On XX/XX/XXXX, I contacted Planet Home Lending via phone and was advised it could take up to 60 days to receive a response. On XX/XX/XXXX, we received a letter from Planet Home Lending via mail. The letter stated that we would be in a repayment plan starting XX/XX/XXXX. The wording on their letter isn't clear, and I've asked for clarification. On XX/XX/XXXX and XXXX, I was told that a request would be submitted to correct our late reporting to current. On XX/XX/XXXX, I sent an email asking for clarification. I received an automated email that it could take up to 5 business days and would be forwarded to the correct department. I decided to call instead and I spoke with XXXX different people and was all advised that I should've made payments on time, my credit will show as late, and there's nothing that can be done. On XX/XX/XXXX, I contacted again because a fourth month was marked as late on our credit report. Again, I was transferred around until I spoke with XXXX in customer service who politely explained our repayment plan in detail including terms and conditions that weren't clearly and properly explained to us. Planet Home Lending 's repayment plan doesn't provide us protection against late payments and our payments will reflect as late for XXXX months, dinging our credit reports up to 50 points each month. Once the repayment plan ends then, our payments will reflect on time. No additional support was provided except for us to pay {$9600.00} which is impossible to do. Had we known this would've been the case, we could've paid the XXXX months back mortgage payments in XXXX when I received my father 's life insurance check. There is no direct line to reach our migration specialist and I've only spoken to her once and that's when I called to complain. XXXX was rude, not empathic, and horrible to deal with. Our loan was sold to this company last year and until we needed assistance, we'd never had any issues with them. I wish our loan had never been sold. How this company is still in business is beyond me. They hid behind unclear wording and do not properly communicate. I've only spoken with XXXX agents that went above and beyond. As soon as we can build our credit back up and are eligible to refinance, we will be going with our XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the reinvestigation results provided by TransUnion, dated XX/XX/2024, reference # XXXX, in relation to my account with XXXX XXXX XXXX, account number # XXXX. I strongly disagree with the findings of this investigation, as they have negatively impacted my creditworthiness. 

Specifically, I dispute the accuracy of the last payment made and the payment history reporting. I am deeply concerned about how TransUnion verified this account and what " rating '' was updated as a result of their investigation. It is imperative that I receive detailed information on the methodology used to verify the account, as well as the specific updates made to my credit report. 

Furthermore, I would like to bring to your attention several discrepancies in the information reported by TransUnion : The reported date closed is inaccurate. 
The maximum delinquency of " 60 '' days is inaccurate. 
The date of last activity is missing. 
The date of removal is inaccurate. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to full transparency regarding the investigation process and the actions taken by TransUnion. I request that you thoroughly review my complaint and ensure that TransUnion complies with the provisions outlined in the FCRA.
Product: Credit card

Hello, Thank you for taking time to review my complaint. Today I am requesting an investigation into PayPal Credit. Apparently, on XXXX XXXX, 2015, I was enrolled into PayPal Credit without my permission or acknowledgement. Therefore after, several purchases were made against this credit line, in which I assumed, should have been coming straight from bank account. All the purchases I made under this credit line were valid, and I have no problems paying what I owe, however, I should n't be penalized the late fees and interest because I never agreed to this service. I did manage to sort it out with PayPal, my credit line is canceled and one late fee was removed, however, now I will have this scare on my credit rating. 

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

I received a late payment from Hyundai motor finance because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent Hyundai a letter explaining everything now XXXX is reporting different late payments on the XXXX website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on identity iq. Since its not reporting accurately Id request that all late payments from Hyundai be removed from my credit report with all 3 credit bureaus. Thank you in advance.
Product: Credit card or prepaid card

I HAVE PLACED MANY PURCHASE/TRANSACTIONS ON " MY CHASE PLAN '' OR : '' PAY OVER TIME PLAN ''. THEY SAY THAT YOU CAN SPLIT PURCHASES OF XXXX  OR MORE INTO EQUAL MONTHLY PAYMENTS FOR A FIXED MONTHLY FEE AND NO INTEREST. SOUNDS LIKE A GREAT DEAL, RIGHT? 
NOT SO MUCH. THE TOTAL FEES ON THE PLAN ARE {$17.00}. THE TOTAL PURCHASES THAT I PUT ON THE PLAN IS {$11000.00}. MY ACTUAL PURCHASES WERE {$400.00} for that month of XXXX THE INTEREST RATE FOR ACTUAL PURCHASES IS 18 %. APR. BUT THEY CHARGED ME {XXXX FOR INTEREST. I ASKED THEM WHY, HOW COULD {$400.00} AT A RATE OF 18 % BE $ XXXXTHEY SAID BECAUSE I HAVE TO PAY INTEREST ON THE PAY OVERTIME MY CHASE PLAN TOTAL PURCHASES ADDING UP TO {$11000.00}. THAT SEEMS TO BE A MISREPRESENTATION TO ME. 
IN ADDITION, THE DISPUTE DEPARTMENT PROMISED ME A PERMANENT CREDIT FOR FOUR CHARGES FROM XXXX XXXX IN XXXX. ( ON THE SAME DAY! ) XXXX XXXX CHARGED ME XXXX FOUR TIMES IN ONE DAY, FOR SERVICE THAT I NEVER HAD WITH THEM. I HAD SERVICE WITH XXXX FROM XX/XX/2022, TO XX/XX/XXXX. I EMAILED CHASE AN EMAIL FROM XXXX CONFIRMING THAT AFTER CHASE DENIED MY INITIAL DISPUTE WITH XXXX XXXX. I SAID TO CHASE, " WHO ARE YOU GOING TO BELIEVE? SOME RANDOM CUSTOMER SERVICE AGENT, OR ME AFTER I SENT YOU PROOF THAT I DIDN'T HAVE SERVICE WITH THEM ''. HE SAID ALRIGHT, I'LL GIVE YOU PERMANENT CREDIT FOR THE FULL AMOUNT OF {$290.00}. NOW THEY'VE REBILLED ME. I WILL NEVER GET ANOTHER CHASE CARD AGAIN. I'M USING MY INTEREST FREE ABLE ACCOUNT AND MY INTEREST FEEE CREDIT UNION ACCOUNT ONLY, FROM NOW ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the 3 main credit bureaus regarding a late payment that is not verifiable that is still reporting to my credit scores. The first letters were sent 91 days ago, then another round of letters sent 70 days ago, and the last round of letters were sent out 26 days ago. 

The one late payment from XXXX XXXX that is reporting is not verifiable as I've already spoken with XXXX XXXX and they do not report any late payments that are under 60 days. 

So how is this still showing on my credit reports?
Product: Credit card or prepaid card

I have a Chime debit card which is issued thru XXXX Bank. On XX/XX/22 someone hacked my chime debit card info and charged approx {$200.00} worth of XXXX XXXX, liquor and food on my account. My card was not stolen it was still in my possession and I never give out my PIN numbers. I was at work during this time. I contacted Chime immediately and disputed the charges. I have no idea where the charges were from except the liquor was purchased from a place called " XXXX XXXX '' which is in XXXX XXXX. I have tried to resolve this through Chime but they say I need " reciepts '' or something to prove I didnot make these purchases but I have no information on even where the purchases were made or what state even. Chime has not been willing to help me with this information so I reached out to XXXX who has essentially said the same thing asking about police reports etc. I dont know which police dept I should report this too or how to obtain reciepts on things I didnot buy. I dont know what to do at this point. Do I just have to allow them to steal money from me with no recourse. I didnot know that I had no protection for fraud on this account which I have only had for less than a year. I would appreciate any help I can get on this.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent out 3 letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

XXXX 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

Hello. In the process of home buying, I realized there was a lot of information on my credit report is completely inaccurate. I decided to begin correcting my personal information first, as it seems the most concerning. I also put credit freeze on all my accounts until I can resolve this and disqualify the possibility of identity theft or fraud. 

I sent certified mail with explanation to Experian. They responded with many items corrected, but they failed to correct all of the items. With my letter I included extensive proof. I have no idea where many of the addresses or names come from. My name has never changed, they did not even remove the obvious completely different spellings. My cousin shares my unique first name and I realize there are a lot of discrepancies that possibly belong to her and not even myself. 

If they dont correct this with the evidence included, how do I correct it? 

After reaching to the companies on my report I couldnt even get past the verification or disclosure due to lack of correct responses. 

These credit bureaus should be following the law. I feel very worried and concerned and feel like Experian is causing my future significant harm by not correcting issues. 

Please assist in resolving this so I can continue clearing my name of information that is not tied to me and never was. 

Thank you.
Product: Checking or savings account

About one month ago Capital One Investing announced that all its customers ' brokerage accounts would be automatically moved to XXXX   " later this year '' without any other options offered to customers. My wife and I both had Roth IRAs with Capital One Investing and did not want our accounts moved to XXXX. We elected instead to transfer our accounts to a different Bank/Brokerage Firm more to our liking. My wife and I were both charged standard {$75.00} " Transfer Out '' Fees ( {$150.00} total ) by Capital One Investing, which was very unfair since the only reason we elected to transfer our accounts was that we didn't want them automatically moved to XXXX. Capital One Investing said the fee is a standard fee and would not issue a refund, however, it's not standard or fair to tell your customers that all accounts will be moved to XXXX   and then provide no other options for customers who are not pleased with the transition. Please help.
Product: Credit card

I have a Lowe 's store credit card, which I have had since XXXX. I tried making a purchase online with more than sufficient balance to cover the purchase, but the purchase was declined. This is the first time I have ever had a card purchase declined. I called the customer service number and received a message that I needed to activate a new card. I then activated the new card, and then attempted to make the same purchase. I then called back customer service and was transferred to the Fraud department where they said they needed to text me a code to the phone number under my account for verification purposes. I received the text message with the code and read it to the representative who asserted that the code was incorrect. I re-read the code to her multiple times and she kept saying it was the wrong code. She then said their ONLY OPTION FOR IDENTITY VERIFICATION IS THROUGH FACIAL RECOGNITION AND THAT I WOULD ALSO HAVE TO PROVIDE ID. As someone who is has been the victim of identity theft BECAUSE OF THE XXXX breach, I don't do FACIAL Recognition NOR WOULD I PROVIDE MY SCAN AND SEND MY DL TO some third party verification company to subject myself to potentially more identify theft by having my face and ID stored in some third-party entity side. I ask to speak to a Manager. Some guy who seemed more focused on hearing his own voice listening to my explaining all of the above. He then claimed that the text wasn't accepted because I was calling over a XXXX network which is emphatically not true as I was calling directly from my mobile phone which is a nationally recognized US mobile phone provider. He then refused to correct that THEIR SYSTEM falsely identified my phone as a XXXX network. He then kept going round and round and round about facial recognition despite my telling him 1/2 dozen time that it was off the table AND THE ERROR IS THEIR SYSTEMS ERROR. 

Surely, the CFPB can install measures to require these companies to correct their own internal programming errors perpetuated upon consumers - forcing consumers to jump through hurdles, hoops and obstacle courses to get these companies to correct their own errors to be able to access our accounts. Enough is enough. You won the battle. You're free now to take measures to protect consumers from this constant ridiculousness.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Balance {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX TransUnion
Product: Checking or savings account

On XX/XX/XXXX, I was the victim of a wire fraud transfer and immediately opened a case with Citibank Fraud case # XXXX. The contact I am working with is Fraud supervisor, XXXX. It was requested that I report the case to both the FBI, local authorities, and the bank in which my funds were transferred, which is XXXX XXXX I completed this request the day it happened. I have been working with XXXX XXXX with the XXXX Police department. His number is : XXXX. 

Here are the details of the fraud/scam : I received a text message for a couple of flagged charges and in typical Citibank fraud alert fashion it asked me to respond with a 1 for YES or 2 for NO for no for verification. I responded with a 2 for NO and within a few seconds my phone rang. The woman on the other end presented herself as a Citi fraud manager who was going assist me with receiving a new debit card. I did not give her any personal details over the phone. She sent me three more text messages for which was presented as a two-step verification process, and this was how they were able to gain access into my account to successfully send a fraudulent wire transfer from my Citibank account to XXXX in XXXX. I received an email notification of the wire transfer which is how I was able to immediately report it. 

The Citibank fraud supervisor sent XXXX XXXX a Hold Harmless letter requesting the funds be recovered and sent back to Citibank. Detective XXXX with XXXX PD received communication from XXXX that the funds were sent to Citibank XXXX XXXX XX/XX/XXXX ) and Citibank is claiming they have not heard back from XXXX. I am beyond frustrated. 

My case is currently active and after speaking Citibank several times, I was told my funds were not guaranteed to be returned to me. My money is supposed to be FDIC insured. I have rent due in a few weeks. This may get me evicted from my apartment. I have been a Citi customer since 2006 and I am beside myself that I could potentially not get all of my money back which was {$1500.00}. Ive asked the Citibank fraud team several times the following questions ; How did the fraud/scammers know I was a Citibank customer? How were they able to gain access into my account online without my password? How did they know my username? Ive never sent a wire transfer in my entire life and why wasnt that red flagged?? They have not been able to answer these questions. 

I am attaching screen shots of the initial fraud alert which clearly states it is from Citibank and mimics the exact type of text I have received from them in the past. I absolutely believed I was communicating with my bank, and I have no idea how I was supposed to know otherwise. 

I need someone to help me with this. The fraud department can only do so much. They shared this has been a known issue within Citibank and other financial institutions. I need my funds returned as soon as possible. 

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

I HAVE BEEN IN CONTACT WITH XXXX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX  ALL ARE FRAUD ACCOUNTS