23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I went to the XXXX. They only allow DEBIT card transactions. They Charge a {$3.00} surcharge on my debit card. I thought visa debit/prepaid cards can not be charged surcharges. On my account it says the ATM withdrawal was {$23.00} then I had a surcharge for {$2.00} on my card from my bank that was reinstated. The problem is that at the ATM aka me checking out at the XXXX I only was paying {$20.00} and they added the {$3.00} surcharge ( thats why it says I took out {$23.00} and not just {$20.00} ). On the receipt it says I paid {$20.00} and there was a {$3.00} surcharge. My full total that day was {$41.00} but I paid {$11.00} in cash, {$10.00} in rewards points, then was charging the remaining {$20.00} on my debit card and the company added the {$3.00} surcharge on my receipt. So not just was I surcharged on my visa debit card but the surchage was well over 3 %. Even if my total was {$50.00}, 3 % of that would only be {$1.00}. I was wondering if this is legal or allowed? I thought that visa debit cards and prepaid cards can not be surcharged and can not be charged more than 3 % of the total.
Product: Credit reporting or other personal consumer reports

Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation.

I have requested that Transunion, XXXX and XXXX reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX# XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I firmly assert that it is unjust for me to be held responsible for these fraudulent accounts.
Product: Debt collection

On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Bank account or service

Wells Fargo op ened a fake account that I did not authorize and then  one mon th later charged a fee for not having funds in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse ite
m of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to XXXX XXXX, any billing discrepancies should be promptly corrected and reflected accurately.
Product: Money transfer, virtual currency, or money service

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( 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 redresss sk for these violations,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

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

make a complaint against Experian for calling me the name I was trafficked and not using my real name XXXX XXXX XXXX. I also filed a complaint against this company for blatantly not investigating this since I am XXXX.
Product: Debt collection

ABSOLUTE RESOLUTIONS has failed to provide adequate information to validate this debt as mine. I have every right to review how this debt is being verified and connected to me.
Product: Credit reporting or other personal consumer reports

I see that XXXX and Equifax has removed XXXX XXXX XXXX off my consumer reports and it is proof of my claim but has not yet compensated me for the actual damages cause and also the violations. If can't resolve this issue, then I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 1. XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Please send me a notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I want to file a complaint against Marcus by Goldman Sach. in XX/XX/2023 I received a promotional offer from Goldman, it said if I open a new savings account and deposit {$100000.00} and stay there for 90 days, I would get a {$100.00} bonus, I opened one on XXXX XXXX and deposited {$10000.00} into the account and has been staying there until now ( more than 90 days ), but so far I haven't seen any bonus deposited into my account, I have complained a few times to Goldman in the last 10 days but they still refused to honor the promotion
Product: Mortgage

I filed chapterXXXX bankruptcy XX/XX/XXXX and it has been discharged XXXX. However, I 'm having some trouble with one particular mortgage lender ( OCWEN LOAN SERVICING ) .. They are listed on my credit report with a balance. They should not be on my credit report as when I filed bankruptcy, I gave up my primary residence which they claim is where the balance of the mortgage is owed. The loan was the XXXX mortgage for that residence. I surrendered the residence so i do n't know why i still owe them. Also, I have never gotten written correspondence from them stating I owe them moning. Furthermore, have never sign an agreement with OCWEN Loan Servicing. I spoke with them today ( XX/XX/XXXX ) and they told me they purchased the loan in XX/XX/XXXX. My bankruptcy period was between XX/XX/XXXX and XX/XX/XXXX. How can they now say I owe them on the phone today. They tried to settle with me today for {$1000.00} even though the balance they claimed has claimed to over {$60000.00}. What is my best course of action to get them removed from my credit report or at least show my account as being closed and no balance? Thanks in advance for our help.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Debt collection

I have literally been trying to get this bill corrected for months now. XXXX XXXX XXXX  used the wrong codes to bill me for STANDARD XXXX XXXX  that is always covered under insurance. They coded it as " experimental '' which resulted in me getting a bill for the full price of the test. I called XXXX, they passed the blame to my doctor, I called my doctor, they said it's on XXXX. I told them repeatedly that I'm willing to pay whatever small amount I owe after the insurance covers their part, that's why I have insurance, yet I couldn't get any help. After months of calling, expecting calls back, not getting any answers, they put this on my credit report without properly notifying me. I didn't get any calls or letters from XXXX about this balance getting transferred to a collection agency. They billed me wrong, refused to help me, didn't properly notify me, and now they're damaging my credit. For your reference, the account was opened on XX/XX/2019, in the amount of {$160.00}. Thank you.
Product: Checking or savings account

Someone opened a checking and savings account and debit card using my name, address, DOB, SS, and email account. 

Contacted Chase Banking Online at XXXX XXXX XXXX XXXX XXXX spoke with Fraud Dept . Who had to have my driver 's license number and other personal information? Was a report was filed and I would receive paperwork in the mail and the accounts were closed.
Product: Credit reporting

Sent a written request to experian Experian responded stating- we will not reinvestigate the items you requested
Product: Checking or savings account

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.
Product: Mortgage

XX/XX/2023, U.S. Bank denied my application for mortgage due to information in a ( n ) consumer report which directly violates the Gramm- Leach- Bliley Act about privacy of information. Also Securities Fraud has been committed by the application being evidence of indebtedness concerning such underlying asset, also Breach of Contract which involved Signature of agreement between both parties.
Product: Payday loan, title loan, or personal loan

PLEASE NOTE THAT THIS IS A SECOND CFPB COMPLATINT AND IS NOT THE SAME AS MY PREVIUS COMPLAINT. DO NOT LABEL AS DUPLICATE. 

I filed a complaint against Duvera Billing Services since they prevent me to make payments on my account and later sent to collections. I couldn't make payments or even pay off due to their phone and web sites are not available. 
They responded to my previous CFPB complaint with a copy of " Summary of Terms '' and a " Retail Installment Contract '' as proof of the debt, but these are unsigned copies. 

I would like to receive a clear copy of the signed Retail Installment Contract as validation of the debt.
Product: Debt collection

Student loan solutions LLC bought a portfolio of time barred debt from XXXX XXXX XXXXXXXX in XXXX. Most all of the loans they bought were from XXXX and XXXX. They are now suing the borrows in court over debt from 10+ yrs ago trying to get default judgements. In all the states they are suing on time barred debts. I had a loan with XXXX XXXX XXXX in XXXX. It was charged off in XXXX and my last payment was in XXXX. I receive a letter from XXXX XXXX XXXX XXXX XXXX out of XXXX KS in XX/XX/XXXX saying I owed {$6000.00}. I sent them a letter saying I contested it and wanted more information. They sent me a notorized letter from Student loan solutions stating the amount due, the date of the charge off ( XXXX ) and my last payment ( XXXX ). It also included the bill of sale from XXXX XXXX XXXX with no identifying information that they bought my loan but was dated XXXX. There was a affidavit from student loan solutions saying the terms of my loan and that XXXX XXXX XXXXXXXX often sells these loans. Again no identifying information. Copies of the original note. I received a court summons on XX/XX/XXXX that Student loan Solutions was suing me for the amount owed and I had 14 days to reply to the summons and a court date of XX/XX/XXXX. I hired an attorney as its a violation of the FDCPA yet they are being allowed to do it all over the country. Its against the Fair Debt Collection Practices Act for a debt collector to sue me for a time-barred debt and a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that WAYRESGRP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

XX/XX/year> : I paid a person to get a self defense package where there were 2 transactions. 1 for {$60.00}. The other for {$45.00}. It turned out to be a scam. I immediately notified cash app to dispute with person to try and get my money back. I have not heard anything since. I have reached out again to obtain status. It may not be a lot. However, I worked to hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquires on my credit report immediately as this is fraudulent. I attempted previously without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX said i owed them money but I didn't because XXXX XXXX XXXX was suppose to send them money for a buyout program and XXXX XXXX XXXX never did sent money or phones that I turned into them for the biyout program and they never sent any money to me and they said they did but I got any money from them so XXXX put the agaist me and turned me into collection and it went on my credit report well I pay them in full {$1200.00} witch I should have never been responsable to pay that fee but im trying to buy a house and i need this deleted from my credit report. So can you help me get this done. 


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

information on my account is not accurate, credit bureaus reporting misleading and wrong information.