23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I need help to file a dispute on a hard inquiry on my credit report from today. 

I received a spam text stating that there was a charge on my PayPal account and to call the number on the text. 
I always ignore potential scam messages and confirm myself. 

I went to log in directly on the PayPal app to check if theres been any transactions. As soon as I put my log in information, a blank screen comes up, then it loads a screen asking for my information. This information was my name, DOB, income, etc. I did not think much of it, as I think it was just trying to confirm my identity to allow me to log in to my account. 

As soon as I submit the information, the next page says Youve been approved for a XXXX Mastercard from PayPal. 

I was in complete shock, as PayPal essentially tricked me into applying for their credit card. I immediately called PayPal Synchrony and they closed my account. They also submitted a case inquiry, to get this investigated and removed from my credit report. 

Can I please report this and get this removed from my credit report? 

I was tricked by PayPal to apply For their credit card without knowing. I was simply trying to log in to my PayPal account to check my transaction history. I did not want to apply for a credit card. My credit score decreased 3 points because of PayPals fault. I did not approve to apply to a credit card. PayPal tricked me into doing this, and the reasonable person would agree this was not ethical.
Product: Credit card or prepaid card

I did online transfer from my XXXX account to my cash app account which is linked to my XXXX account the money was debited out of my XXXX account immediately on Friday the money never hit cash app I was calling to dispute this with cash app Cash App has not given me any information or provided substantial accuracy for the transaction cash app is the umbrella company of square and which Ive also contacted they advised me that they dont have any affiliation with cash apps transactions cash app also uses XXXX XXXX in which they provide cash app a a checking account routing number and account number and I sense tried to contact XXXX XXXX  and I read the fine print below setting bank XXXXXXXX XXXX noted that they do not handle any cash app accounts for any type of missing transactions or any M accuracy and direct deposits or any further transactions etc. my money is just up in the air with cash app cash app is a scam they are not a real bank and they handles people money and I dont think they should be involved with any type of handling of peoples money and using falsified information claiming that they are under setting bank and setting bank does not have any affiliation or anything to do with Cash App accounts when they do provide a routing number and checking account number for Cash App customers for direct deposit please if someone can contact me further so I can further explain this information I have extensive proof that money was debited out of my account to cash app I also have the proof that XXXX XXXX does not deal with any cash app accounts when they do provide cash app with routing number and checking account numbers and when money is saved to a cash app account it automatically goes to XXXX XXXX so I dont understand why there is no affiliation this should be a matter address for all parties that use cash app and I feel like cash app should not exist or handle anybodys money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. Please help.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why theyre there. I check my credit report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the errors remained. Now, Im really concerned and asking that the documents Ive sent be reviewed thoroughly, so I never have to deal with this stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

Ive sent money and it has returned to me 2 times for no reason
Product: Credit reporting or other personal consumer reports

company XXXX XXXX  account number XXXX It is have already more than one year since I became victim of identity thetf. Since that time I sent all necessary documents to credit bureaus and ask to investigate and remove fraudulent account from my credit report. I am losing my patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court. remove this incorrect information at once and send me an updated copy of my credit report. I also request that you please send notice to anyone who received my credit report in the past six months. Also please find attached my DL, SSN card and bill statement
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated. 


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

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


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, ONEMAIN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Product: Checking or savings account

I contacted chase bank via their number XX/XX/24 about transaction that was made on XXXX account via cyber attack/malware how ever hackers do things these days Which was five places. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. the second i longed into my account and saw the transactions. From what i saw they moved the money from my savings into my " secure banking account '' I called XXXX  they did the claim etc i changed all my passwords etc even baught a XXXX  thing for my pc like the lady told me to. Ok cool thought it was XXXX XXXX  be resolved. XXXX  funds was back. then XXXX  they was gone again so i went to the physical bank and talk with the lady which they put her through the same process they did me asking questions etc. ok thought i was good again. Then the XXXX XXXX XXXX  XX/XX/24 i went to have my account unfrozen all that the couldn't unfreeze it so i gave up then later that night i called chase again to get the account unfrozen and they 1 woman finally got it unfrozen. So here i am XXXX  XXXX calls me via her office number XXXX XXXX XXXX ext XXXX i answer thinking she was gon na ask me if i got everything worked out which she did i said yes. next thing i get the XXXX thrown at me that my claim was denied i asked why she said i have to call the claims office upset i didnt know what to do completely clueless on how this whole thing works so i get brushed of we hang up i called the claims office they tell me the transactions match my ip address and im sitting here like i just told u i think my computer got hacked idk how but it did that i didn't make this transaction. these place are all on the west coast of the united states Ohio or Idaho Arizona places like that I live in XXXX XXXX on top of this i never delt with any of these places. I dont even have doctor XXXX XXXX XXXX XXXX XXXX XXXX i dont know what the transport thing is or the other i dont deal with these companies. i dont even have XXXX  i live in a XXXX. All in all the end of the conversation she said i need to call the XXXX office me confuse like thats who called me and told me to call yall so im just getting the run around meanwhile yall about to take of XXXX $ out of my account for something i didn't even do. I feel like they didn't bother to investigate deeper and actually call these institutions. Like what do we have police or the fbi for?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I saw where Equifax was reporting a bankruptcy my chapter XXXX bankruptcy as a chapter XXXX. I reached out to them my phone, began a dispute, fax over supporting documentation from the Bankruptcy Trustee as well as the court, showing that this item has been on for 7 years and is do to come off. 
So I received a letter from Equifax, confirmation # XXXX dated XX/XX/XXXX stating that the disputed bankruptcy was not reporting on my Equifax file. We today as of XX/XX/XXXX, it is still reporting. 

I would like this removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below are all reported on my credit profile as a result of fraudulent unauthorized activity. Ive personally contacted the credit bureaus and told them this in hopes to have these inquiries removed but their response to me was no. Ive taken the time to list the name of the inquirers and the dates they inquired to make it easier to have these inquiries removed, Ive uploaded documentation below proving these inquiries were a result of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

About 6 months ago i received a copy of my credit report and i noticed several accountsthat are listed on my report that i never applied for never used and never received anybenefit from i disputed these accounts and they refused to remove them all these accountsare results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$610.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX  XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( XXXX ) XXXXXXXX XXXX
Product: Vehicle loan or lease

I got stuck with buying a XXXXXXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I didn`t get my sales paperwork until two weeks after the sale. I called, and went down with a friend to get the sales paperwork one week later, and was told by XXXX XXXX ; Salesman at XXXX that the General manager, XXXX XXXX father died and that he was in XXXX XXXX XXXX 

When I finally got the paperwork, I looked it over and noticed that they put down ' {$2000.00} in assets ', I have no assets at all. The salesman also put in that I make {$4000.00} a month. I work as a XXXX XXXX XXXX, we never get that amount of money. I was only making {$13.00} an hour. Also, it was written in that I was at the XXXX XXXX for 3 years, I started with them one month before this sale. 

The Healthcare Agency was bout to fire me as well, so I resigned. There is also something about me putting down $ XXXX, that was to get my car back that I drove there in. I have a Lawsuit against XXXX XXXX XXXX for false representation as well as many other items as they had two eeks to doctor up the sales paperwork. 

Wells Fargo should have checked this sale out before lending the money to XXXX XXXX XXXX, so I'm considering a lawsuit against Wells Fargo Auto Finance as well.
Product: Credit reporting or other personal consumer reports

Recently, upon checking of my credit report, I can't help but notice that my report contains incorrect personal information, which seems to be leading to the appearance of an unknown account that I dont recognize and that is inaccurate. This situation has been causing unnecessary confusion and concern for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all.
Product: Credit reporting or other personal consumer reports

I have been having issues with the XXXX account since I opened this account through TD Bank. Immediately upon opening the account I set this on auto pay. However, they never draft payment. Each time I get confirmation I set it up and each month they don't draft the payment making me late. This is not my fault. They need to fix their system as the money is in the account ready to draft.
Product: Checking or savings account

US citizenship and immigration services has requested a bank officer statement for my account. i requested this item on XX/XX/XXXX XXXX they told me this would take XX/XX/XXXX business days afterwards. i have been calling them ever since and i dont get a straight answer from chase bank. i have been banking with these people since XXXX but they refuse to give me this simple document. showing date account opened. total amount deposited last year and current balance
Product: Credit reporting or other personal consumer reports

I did not authorize these companys to run my credit information, fraudulent
Product: Mortgage

This company will not respond to my concerns/complaints. I have tried to have a manager call me multiple times, but I have not heard back. My first complaint is that there has been no communication throughout the whole process and I feel like we have been left in the dark on our mortgage process. Emails were being returned in an untimely manner, if at all. I have still been waiting for a response about why my closing could n't happen when it was scheduled and that request was sent to a manager. It has been almost a week now. This makes me feel like my loan is not important to them. My second complaint is that the day of closing, no one was there to answer my questions and ultimately the closing had to be cancelled. I communicated with this company that I would be making that month 's payment on my current mortgage, but no one ordered an updated payoff for closing so that is one thing we are waiting on. This lack of initiative prevented our scheduled closing. Finally, I got a call from this company tonight, but was not satisfied with her response.
Product: Credit reporting

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX Also Attached my paystub for address verification just in case it is needed
Product: Credit reporting or other personal consumer reports

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 15 U.S Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 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.