23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX Mastercard that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX Mastercard, was closed. 

XX/XX/XXXX - Asked XXXX Mastercard to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused
Product: Credit reporting, credit repair services, or other personal consumer reports

A account from XXXX XXXX  XXXX credit on TransUnion for {$1000.00} was deleted and replaced back onto my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my consumer report which caused sXXXX XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Product: Student loan

On XX/XX/XXXX I requested a refund of {$10000.00} of previous payments under the CARES act via online request. On XX/XX/XXXX I followed up with a phone call and the request was submitted. I was told my balance would be reinstated in about two weeks. On XX/XX/XXXX I called and was informed the refund is in progress but I've seen no new balance or refund as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint agains TransUnion for the lack of response to my disputes that were sent. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent three separate disputes to TransUnion regarding errors on my credit report.

To this date, I have not received any response from TransUnion regarding the disputes. According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct any errors on my credit report within 30 days of receiving my dispute.

I am extremely disappointed with the lack of response from TransUnion and the continued presence of errors on my credit report. These errors are negatively impacting my credit score and hindering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information.
Product: Checking or savings account

I tried to do a bank transfer from Capital One to my XXXX  Invest account and I still keep getting a message saying " Capital One is blocking you from enabling external applications ''. I called XXXX on XX/XX/XXXX at XXXX and they told me they were going to correct the issue. However, it has been a full week and I am still getting issues. I'm unable to transfer funds from Capital One to my XXXX Invest account.
Product: Credit reporting

I received a screen online that read, " We were unable to honor your request. If you entered credit card information, we did not charge you '' ( I did not enter credit card information, nor was asked for it ... Was I scammed?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/year> to XX/XX/year>. I call on the company XXXX to make full payment of {$190.00} on or before XX/XX/year> and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only three small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 161XXXX XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX  XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting

During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XX/XX/XXXX XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXX 6. XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX XXXX 8. XX/XX/XXXX XXXX XXXX 9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXX XXXX XXXX 13. XX/XX/XXXX XXXX 14. XX/XX/XXXX XXXX 15. XX/XX/XXXX XXXX
Product: Debt collection

I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Against Equifax for Misuse of Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding the repeated misuse of my credit report. This is the second time that Equifax has closed my positive XXXX XXXX  credit card account without proper justification, adversely affecting my credit score and financial stability. 

Details of the incidents are as follows : 1. **First Incident** : XX/XX/year> XXXX. **Second Incident** : XXXX, XXXX 2024 I believe that these actions are unjust and detrimental to my credit history. I have made timely payments and maintained a responsible credit usage pattern. I request that the CFPB investigate this matter and take appropriate action to prevent further misuse of my credit information by Equifax. 

Please let me know if you require any further information to assist in this investigation. 

Thank you for your attention to this matter. 

Sincerely, CFPB EQUIFAX CONTINUES TO MESS WITH MY CREDIT REPORT CLEARLY THIS IS A VIOLATION OF THE FCRA PLEASE HOLD THEM ACCOUNTABLE FOR THIS ACTION. ALSO BY EQUIFAX DOING THIS IT EFFECTS MY XXXX SCORE AS WELL
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. 

Account name : XXXX XXXX XXXX Account no. # XXXX Account name : XXXX XXXX XXXX Account no. # : XXXX Account name : XXXX XXXX XXXX Account no. # : XXXX Account name : XXXX Account no. # : 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 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: Payday loan, title loan, or personal loan

I had ordered an XXXX Laptop and it didn't arrive when it was supposed to. Affirm scheduled payments for me to start making payments and I hadn't received the merchandise. I called Affirm and asked it they could change the due date on the loan as I hadn't received the laptop and wanted to make sure it did, indeed arrive and in good working condition. I was told that is too bad, they aren't changing the due date and that they really don't care if the laptop arrives or not, for me to call XXXX and find out what's going on. I said I ordered through your website, not XXXX and if you distributed funds to XXXX that you want me to pay back, isn't there a supervisor or someone that can find out where my laptop is. I was transferred to a supervisor that basically told me the same thing. Too bad if you never received the merchandise. You need to make payments on it whether you received it or not. I have since received the laptop. Second complaint about Affirm is that although I disabled and removed my debit card from my account, they went in this morning and helped themselves to {$290.00} from my debit card that I had disabled on their website. I did not authorize this transaction. I will file a dispute with my bank tomorrow as they need to wait for it to post to open a dispute. It scares me that they took money that I didn't authorize and also that they still list it as being delinquent. They appear to be a predatory lender and have positioned themselves with XXXX, XXXX and many other companies as a way to buy now, pay later. I am in sales and sales are at a historic low. I am trying to keep afloat financially and have nothing set up on auto-pay as I don't need anything to bounce. Please look into this as from what I am seeing on the Internet, Affirm does this quite frequently and this has to be against lending laws and guidelines.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( 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 had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 agencies Experian, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Product: Money transfer, virtual currency, or money service

I Aman filing a complaint against cash all ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .Specifically, cash all 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 way unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.these action a have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I am in the process of mailing a notice including this relevant information to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.

" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XXXX XXXX, 2021, and the tracking numbers indicate receipt upon XXXX XXXX, 2021. Your message, also included, states your affidavit was served on XXXX XXXX, 2021. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XXXX XXXX, 2021 as proof of your receipt of my Answer as well. XXXX Tracking Numbers XXXX and XXXX. 

You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XXXX XXXX, 2021 and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ).

As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XXXX XXXX, 2021, is false. ''
Product: Checking or savings account

On XXXX I received an email from Chase Bank stating my account was restricted due to suspected fraud and that I needed to call them. I called within 5 mintues of receiving that message. When I called, I was informed my account was closed and was not able to be re opened. I was then told I would not be able to access any funds from that account is closed. So they told me the account was closed, then told me that it would be 10 days till it be officially closed. So essentially stealing my money for 10 days and not letting me withdraw it. Then I get my weekly paycheck to that account that I provide for my children with and I wasnt able to access that either. They have essentially stolen my money and said they will give it back when they deem fit. That is my hard earned money and I shouldnt need permission to withdraw it. If the account it closed then release my funds. I called on XXXX for and update and was told my account was still waiting to be closed and yet that I wasnt able to access my own money still. What world do live in that you can take peoples hard earned money and then give it to them whenever your computer deems it worthy?
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I have spoken with first Virginia several times over the last week. I informed them my income changed and was struggling to pay loan. I worked with their corporate office and attempted to do partial payments. I really couldn't afford them but was trying to make an effort to do something. Now the loan is so far behind its about to default and all this interest and fees are being placed on account. On XX/XX/18 I spoke with corporate office a lady name XXXX who had left me a message 2 days prior saying that it would be too late if I didnt call back in 3 days this was left in my voice mail. When I called back she told me that only option she could offer is for me to pay {$270.00} I believe and they would match that and make a payment for me. I told her I cant do any where close to that she told me to call back and talk to customer service see what they could do after default. I called on XX/XX/18 and spoke with the manager I  believe his name was XXXX of the first Virginia store in XXXX XXXX XXXX XXXX PH # XXXX I spoke with him on XX/XX/XXXX as well and had been calling him since Friday afternoon because he had told me he was going to see what he could do to help me and call me back but he never did so I called him. he offered the same for me to do payment of XXXX and they will match that and make a payment or do s payment of XXXX and that will make account 30 days past due. when I told him I could only do XXXX and do the rest my next pay day to make the payment XXXX he said that wouldn't work because another payment will be do. Then he started to threaten me and tell me if I didnt do one of the options and it defaults I wont have any money anyway because they will take it was his exact words. he said I needed to make a decision before they take it I told him there isn't that kind of money in my bank account he said no they will take from your paycheck and you wont have a choice. And that if I get something figured out call him back. He was very rude and threatening
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting XXXX for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through XXXX. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC .

I now plan to freeze my credit through XXXX and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves.

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards