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

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX and USAA Federal Savings Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX and USAA Federal Savings Bank. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit card or prepaid card

*NEW CASH APP EMPLOYEES SCAM* On the XXXX of XXXX I used the Cash App card for a purchase amount of {$72.00} at " XXXX '' XXXX 
That amount was taken from my cash app balance that I specifically transferred over from my XXXXXXXX XXXX XXXX. The items were delivered within the next few days to one week. 
Today my cash app balance was {$7.00} and I transferred money from my XXXX XXXX XXXX into Cash app in the amount of {$50.00} bringing my total to {$57.00} and I made a purchase. I then transferred {$100.00} from my bank to the Cash App card minutes after. I refreshed the Cash App but my {$100.00} was missing. And instead my balance was {$28.00} meaning that {$72.00} was taken from my account. This is my yet another scam from Cash App companies by its employees that I have began to recognize as a pattern. A week ago my balance was {$12.00} and again I made a transfer but after I refreshed my cash app I noticed it was {$9.00} short. I was able to call and speak to a live person and the person told me that there was a transaction that, " XXXX '' put an authorization on the amount of {$9.00} but decided to release it back into my account and I supposedly used it and so a month later they were taking it out to repay " XXXX ''. This individual emailed me images of my transactions and the highlighted areas showed these supposed issues and I asked if there were any other of the same kind of issues and the agent checked very thoroughly and said they were none, however today chatting with an agent online they attempted to use the same premise with me about my {$100.00} deposit and I explained that I 100 % did not believe them and that I had already been given this speech and I was already told there were no other incidences like this and that the other agent had given me transaction record, but this agent " XXXX '' offered me no solution or help and maintained that there is nothing else they can do so my money was gone. 
For such a larger amount I insisted that I be refunded that they were falsifying records and finding yet another way to take money from people fraudulently. I contacted XXXX and XXXX said they were paid on the XXXX of XXXX through the XXXX of XXXX for these purchases and gave me dates and times amounts and transaction numbers and that they had not reached back out to Cash App company to complain about not being paid. The agent also escalated this to the financial department who will get back to me this week but from what she could see I didn't have an outstanding balance through my financial institutions for any purchases. 
In the past years if I became negative with the Cash App company, it would show up whenever the page loaded right away. Neither transaction that I spoke of showed a negative balance on my cash app page nor did I get any communication from their company regarding this happening. 
These people must be stopped and I recommend that their company be closed down.
Product: Payday loan, title loan, or personal loan

I entered into a   XXXX   XXXX   business agreement on  XXXX   XXXX   2017 . The total cost to do the business is  XXXX  dollars. I paid  XXXX  and have a balance of  XXXX . The business coach advised me that the business will finance the remaining balance. I asked on  3 occa sions if a credit check will be done and I was told no. The company sent me a document to sign with all my basic information. As a business partner I signed. On the  XXXX  of  XXXX     2017  I got an alert that some activity went on my credit. Only to see it was Conrad Acceptance Corporation. I contact my coach and told him I was being lied to that a credit check would not be done and I need a refund of a reversal of the transaction. He told me to contact support help at legendary marketing. I was told that the agreement I signed can not be cancelled or reversed afte r 3  business days. I made a report to my credit card company and the Credit Bureau. Attached is all text messages and emails.
Product: Money transfer, virtual currency, or money service

Hello, as of XX/XX/2022, the XXXX lending company " XXXX '' has halted all withdrawals from their website. In a recent email, XXXX has told me that they plan to offer a partial settlement of funds rather than allow users to withdraw their full amount. In this email, they also say the reason for this loss is due to their investment in a project that is not a peer-to-peer investment called the " XXXX XXXX. '' I am concerned that XXXX has now committed fraud because they have used customer deposits in a method that was not advertised and therefore shows a serious misrepresentation of funds. Presently, I have XXXX " USD Coin '' and XXXX XXXX in my account with them and my wife currently has XXXX peer-to-peer loans open with them that are currently worth {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I found fraudulent inquary in my credit report.pleae remove it. 
XXXX  XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO EQUIFAX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

Equifax has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into Equifax and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with Equifax, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that Equifax was asking me when I was accessing my report did not apply to me at all. Although Equifax still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by Equifax itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

Equifax needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Product: Debt collection

I entered into a consumer credit transaction with American Honda Finance Corporation on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, American Honda Finance Corporation took cash as shown in the attached documents. The finance charge also includes insurance, but i was made to purchase my own separately.
Product: Credit reporting or other personal consumer reports

I am disputing an incorrect entry on my XXXX credit report for a Chase account showing a debt of {$42000.00}. On XX/XX/XXXX, I sent a debt validation request to JPMCB Card Services, which remains unanswered. Furthermore, I have since received a settlement letter from XXXX, a CFPB-regulated debt negotiator, confirming the settlement of all debts with Chase in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that this debt be removed from my credit report and that Chase update the account status to reflect the settlement. Attachments : Debt validation request, settlement letter, and proof of payments.
Product: Vehicle loan or lease

My car was repossessed in XXXX of XXXX after I was only behind and my monthly payment was somewhere in {$500.00} and I've always been behind because they at Wells Fargo denied my request to change payment because I was paid twice a month. I submitted at least three to four requests to change payment due date over the course of this loan that started in XXXX. They did not allow me covid relief when my payment was late by {$500.00} for the month not including late fees and interest they repossessed me and they should not have recessed me over {$500.00} for the month because it was common for me to pay in two installments over the month and I had called requesting that relief due to a change in circumstances and I was denied help by Wells Fargo. They sold my car for {$750.00} and they are refusing to give me a settlement price. Also at time of repossession I was never told that my car would be sold that month by any source. I lost at least {$200.00} worth of personal possessions that was in my car that the impound dealership or wherever my car went refused to let me know how to get my things. Wells Fargo will not reimburse me for my things or even hear that I lost {$200.00} worth of personal property including a tackle box from XXXX with my grandfather 's fishing equipment in it that may or may not have been worth a lot at auction but I know it was worth a lot to me. I continue to call and ask for a settlement price after they sold my car and they are refusing to give me a settlement price which I know my rights are to have that ability.
Product: Debt collection

1. Violation of TILA : My Gm Financial Account was compromised of due to the XXXX XXXX  requiring me to pay for repairs that were unauthorized by me. This constitutes a failure to provide clear and accurate disclosure of credit terms, including the nature and scope of obligations imposed on me as the borrower. Under TILA, creditors must act in good faith to communicate the terms and obligations associated with the loan, and this situation involved a misrepresentation of terms and practices that I did not agree to.

2. Violation of FDCPA : The actions taken by GM Financial and/or its agents were unjustified and may constitute deceptive practices under the FDCPA. Specifically, the Compromised GM Financial account stemmed from an invalid and unauthorized demand for payment, and reporting this account as a charge off is inaccurate and unfair. Debt collection or adverse action based on such misrepresentation violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

I recently view my credit report and noticed there were inquiries that I did not authorize which constitutes and Identity theft. I filed a Identity theft complaint " see attatched ''. I have included the inquiries within the complaint. I will also include them here : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I went to look at my free credit reports and found an address in XXXX that was never mine and the person at that location opened an account with XXXX Now for {$6800.00}. I contacted XXXX Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last XXXX digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

During XXXX and XXXX, i went through a financial crisis due to loss of job and missed several of my loan payments. My last late payment was on XX/XX/XXXX qnd since then, i have made every payment on time. I have requested Ally to remove these negative remarks in good faith since It was a specific situation why i was late and not due to lack of interest or responsibility. My 2 requests have been denied.
Product: Credit card

I had a Kohl 's card issued by the store. I moved in XXXX to a new address. I update my address with Kohl 's. The last XXXX statements from Kohl 's, dating back to XX/XX/XXXX, have my new correct address. 

Yesterday, I received a new Kohl 's Capital One card that I did not authorize or request. It was " automatic '' according to the company. It was forwarded to an address to my previous address. This concerned me as I did not feel like my information was being handled correctly. 

According to Kohls, their best explanation was that the card was prepared prior to my address change due to the volume of cards ( every Kohl 's customer received a new card. ) Allowing Kohls/Capital One to be reckless with customer information sounds pretty terrible.
Product: Debt collection

The company took four months to process the removal of my XXXX As I was waiting to complete the process for my HELOC, PHH mortgage consistently delayed my request to remove my XXXX Once XXXX  was finally removed, interest rates have significantly increased and now I am forced to accept a much higher interest rate due to PHH Mortgages consistent delayed in removing my XXXX
Product: Checking or savings account

I made a cash deposit on Sunday XX/XX/23 @ XXXX for {$6000.00} the atm took the majority of the cash but returned {$800.00} and kind of jammed the dispensary so I got a receipt saying there was an issue and it would be resolved in 2 days I also called the bank to report it they filed a claim which said it would take 10 days I went to the branch the very next morning and spoke to the main banker and said they would expedite the issue and should get a resolution within 24 hrs today is day 4 because of this I have returned payments with credit cards and car payment and when I call they are no help with the exception of the 2 representative at the bank that is not in their control but try to help. Now I have fees that my cc company will charge for return fees and also will probably have a late payment on my credit report because Wells Fargo is taking their time. I on the receipt it said they will fix it within 2 business days and now they are saying 10 days! All atm have tons of cameras they can pull footage to see cash that went in and the few bills that was returned. On the receipt it just says a deposit of {$.00}
Product: Credit reporting or other personal consumer reports

I have informed Equifax over the last few months that they are reporting false and invalid information on my credit report that they refuse to update! Do I need to hire an attorney? Late payments connected to the XXXX XXXX XXXX XXXX XXXX # XXXX account is false! I spoke to the company and they verified that I was NOT XXXX days late! Update this to reflect the truth, or I will be contacting an attorney! 
Equifax did NOT verify anything with the company! If the DID, they would know that I have not been late with this creditor three times! They are unlawfully hurting my credit by reporting invalid and untrue information!
Product: Checking or savings account

I attempted to file a dispute online with my bank, Bank of America, but I was instructed to contact a CSR. I called the CSR and explained why I was submitting the dispute and explained that I tried to rectify the issue prior to disputing the charge. The CSR said that Bank of America was concerned with the number of disputes that I have submitted and that they would penalize me by closing my account and not allowing me to open another one if I dispute anything else. I explained to him that this was unfair since I try to resolve disputes prior to contacting them or even getting them involved. Additionally, I explained that it was unfair that I was going to experience a punitive action because I chose to use a service availed to me by them. Additionally, there is nothing stated that a person could lose access to their account and be permanently barred from additional accounts if one decided to use a service that is not only availed to them, but a service that CSR 's encourage you to use.
Product: Debt collection

I am a XXXX XXXX XXXX. I informed the company several times to please give me time to make a payment or to help me make arrangements. I requested that they assist me in a potential deferment so that I could continue to get to XXXX XXXX. I was very communicative of my situation. I attempted to make payments that they returned. Then they repossessed my much needed vehicle right when I needed XXXX to remove a XXXX  XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 5 USC section 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please contact me at the address provided to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. Thank you.
Product: Prepaid card

I received a {$100.00} amex ( American Express ) gift card from my employer. For over a year I have tried to use this card numerous times. It does not work on any online retailer I have tied. My card shows it is activated and has a balance of {$100.00} on the amex website but I am getting decline for every purchase I try to make. All attempted purchases are for les than the balance of the card yet it is still getting decline. 

Amex has made it impossible to contact customer service. The number they provided on their website only takes you to an automated line with no chance of every speaking to a human being.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XX/XX/XXXXme out and making me XX/XX/XXXX. Hope you can address this soon, please.