23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Since XXXX 2015, I have repeatedly tried to get a dispute started for a charge XXXX put on my American Express Serve card for approximately {$94.00}, because these were cable wires, AND LITERALLY, NOT ONE OF THESE WIRES OR ANYTHING ELSE I MIGHT HAVE RECEIVED WORKS! I HAVE REPEATEDLY CALLED SERVE, AND NO MATTER HOW MANY TIMES I CALL TO START A DISPUTE, I 'M TOLD ALL KINDS OF XXXX ABOUT WHY THE CHARGE CA N'T BE DISPUTED - WHICH IS B.S!!! IN THE BEGINNING, I DID GET A DISPUTE FORM IN MY EMAIL ; THEN, 3 DAYS LATER, SERVE WROTE ME AND SAID IT WAS CLOSING THE CASE, BECAUSE " I FAILED TO RESPOND!! '' SINCE THEN, I HAVE ENCOUNTERED NOTHING BUT EXCUSES AND HEADACHES IN TRYING TO START A DISPUTE! THIS IS WHY I AM WRITING. I WANT MY XXXX MONEY BACK AND I WANT IT NOW!!! PLEASE ASSISTS ME IN THE RETURN OF THE {$94.00} APPROXIMATELY!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. I have also sent my appeal and dispute letters via mail as requested but when I call, some representatives would say they see them, some say they don't. Please help me reach out to the bureaus and kindly delete the following fraudulent accounts and inquiries from my credit reports. I attached my FTC reports, ID, proof of address, and Social Security card to this complaint. 

Here are the fraud accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXXXXXX 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 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot reported to my credit report a 30 day late payment in XXXX XXXX I called Home Depot and explained that Im a victim of identity theft and was not aware of the amount due. I was told by the representative at Home Depot that they would remove the late charge of {$40.00} and request the 3 credit bureaus remove the 30 day late payment. I was also sent a letter with this information in writing and attached it to this complaint. They did not fulfill this promise and have yet to have the late payment removed from my credit report. I have disputed the late payment mark on my credit report through the credit bureaus but Home Depot keeps denying this request even though I have a letter from Home Depot stating theyd have it removed. Ive also provided a police report to Home Depot showing Ive had my identity stolen and the letter they sent me stating theyd have the late payment mark removed. They have yet to do so.
Product: Checking or savings account

I opened an online account with chase bank and deposited 2 checks same day on XXXX XXXX. Since then, my account has been blocked by chase bank. When I contacted the bank i was told that the bank could not verify the checks with issuer, so they blocked my account. Since then, I contacted them several times, been to local chase branch and even posted a complaint on this forum, but to no avail. As Chase bank could not verify the checks with my employer, I am providing here are the contact # for my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payroll dept ; XXXX XXXX XXXX and XXXX XXXX XXXX, HR dept ; XXXX XXXX XXXX and XXXX XXXX XXXX. Anyone can call and verify it. Can you please look into this issue, I would greatly appreciate it. 
Thanks
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX for the severe harm caused to me and my family. 

XXXX ignored my familys valid XXXX accommodation request, pursued legal action against us, and secured a wrongful of upwards of {$70000.00} judgment. This led to our constructive eviction, leaving us homeless and humiliated by the judgment appearing on my credit report. 

I am a XXXX  veteran with XXXX and XXXX XXXX, and this eviction caused extreme distress, worsening my conditions. The instability forced my wife, who is my VA caregiver, into an overwhelming position where she couldnt adequately care for me. My family was forced to relocate, incurring additional financial strain, and we endured the stigma of being homeless. 

I disputed the debt with XXXX, but their initial investigation falsely validated it, making things worse. After repeated disputes, they reversed their decision, returning the debt to XXXX. 

This reversal highlights their sham investigations and negligence. XXXX XXXX, as XXXX successor, has failed to address the ongoing harm caused by these actions. 

I am seeking accountability, immediate corrective action, and compensation for the financial, emotional, and physical harm these companies caused to me and my family. Supporting documents are included.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : 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  XX/XX/XXXX I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.
Product: Credit card or prepaid card

I wondered why my balance was not going down. I know I have a large balance, but I have been paying {$600.00} plus payments for months. I looked at the back of my statement to find that I have been charge for XXXX protection plan. The charge was {$210.00}. I called Citibank and they referred me to XXXX. I call them and told them to stop taking out the payment. I asked them when I agreed to this plan and they told me XXXX of XXXX. I do not recall ever signing up for this program. I called XXXX again and asked them to send me some kind of paperwork where I agreed to this plan and I have yet to receive any thing from them. This was the end of XXXX XXXX. I have been charged for this protection and I know I didn't sign up up it. I was paying so much that I was not going to add to the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Product: Credit card or prepaid card

Dear CFPB, XXXX XX/XX/2022 I made XXXX payments of {$40.00} dollars simply because of my XXXX XXXX. 

Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to reverse the payment and to remove the reverse payment of {$40.00} dollars as requesting to have the interest fee of {$2.00} and returned payment fee of {$30.00}. 

I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. 

I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. 

Therefore, I am filing a complaint for my account to be reviewed of these fees and any other fees that are inappropriately applied to my account immediately and up date my account as the resolution.
Product: Credit reporting or other personal consumer reports

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of racists. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I have filed disputes with XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite listing the accounts and notifying them of the violations on my consumer report, I have not received any response from them after over 30 days. Attached below are copies of all the letters sent. 

The company in question has violated FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such.

Additionally, there is a violation of 605 ( c ) as the reporting period has been exceeded. The date of last activity on this account is being reported inaccurately, failing to reflect the actual last date a payment was made.

Furthermore, there has been continuous failure to validate the collection account, constituting a violation of FDCPA 809b, as per the opinion of the FTC.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding my auto loan with Ally Bank because I have not received a XXXX099-C form related to the loan, which has been reported as a profit and loss write-off on my credit report for an amount of {$27000.00}. This missing form is causing confusion and potential tax issues for me, as I need to accurately report my financial situation. I have attempted to resolve this with Ally Bank but have not received a satisfactory response. I don't have the account number, and the write-off occurred on XXXX. XXXX, 2023. Thank you for your assistance in helping resolving this issue.
Product: Money transfer, virtual currency, or money service

on about XX/XX/20 purchased computer table on line through PAYPal Service Inc money was debited from my XXXX XXXX XXXX Account debit card in amount of {$50.00} cents. The item was never delivered to home. Contacted Paypal numerous times VIA internet they leave you on hold long periods of time and have poor customer service to assist customers using Covid 19 as a flaw not to respond or refund customers money.

If you don't receive and item and have paid for service or item and the company refuse to send or delay item or will not provide information on shipment. Then this is fraud. 
Sincerely, XXXX XXXX XXXX XXXX XXXX ct XXXX Il XXXX Paypal inc XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Reciept no XXXX XXXX Support Team Merchant
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to receive calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX XXXX showed back up on my credit reports again along with XXXX XXXX  that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again. 

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response. 

[ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my TransUnion report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported. Which would state i had paid it. I did try to work with them during XXXX, but was not able to comply to their terms since i had no job per the government. ( I am a massage therapist ). I had their insurance on my account that i paid for monthly for just such a situation, and they said that it would only a few months of payments and that they would still report me as bad credit. 
IF you need stacks of documentation, too numerous to upload, I will have Dispute my credit send you my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing they wont remove medical bills I keeping Didputing on 1 report they have been moved but not on other teports
Product: Debt collection

On XX/XX/23, I was called by a courier to verify my identity so that a law suit subpoena could be served to me. I asked for more information and I was given the name of the suitor as XXXX XXXX and the company 's phone number. I called the number and was transferred to a paralegal. The paralegal informed me that I am being sued because of unpaid credit card debt and that I was going to be served the subpoena. Upon asking for more information, I was given a credit card account that I never had, according to my credit report. The amount was for over {$6000.00}. This was probably the third time they've called in as many years. Previously, I contacted the credit card company to inquire about my apparent debt and they had no record of any accounts for me.
Product: Money transfer, virtual currency, or money service

I hope all is well. I am reaching out today because I am having unnecessary trouble with a hotel authorization on my account. Yesterday the hotel emailed me the authorization release form. This {$150.00} has been pending on cash app as a authorization hold, because Cash App wont release it. I checked out of the hotel XXXX  days ago. Every support agent just sends me the same prompt regardless of how many legal documents I have stating the hotel no longer has this hold on my account. I am not sure what to as this is my hard earned money I cant get back thats just floating in a pending state. Are you able to assist me? Thank you.
Product: Mortgage

I have a mortgage with Ameris Bank. I was wanting to make the final payment today, however, they are insisting that I send the money by either wire transfer or certified check. Either of these options will cause me to incur additional expense and time off of work. I do not believe consumers who want to make their final payment should have to incur this expense and inconvenience. If my monthly payment was satisfactory every other month of the loan term, why isn't it good enough for the final payment. I understand they may want to hold of releasing any leans or processing the final paperwork for a few extra days to ensure the funds clear. But they should not force people to incur additional expense and use vacation time from their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX failed to distribute points on a state inspection charge
Product: Debt collection

LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   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  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX