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

on XX/XX/XXXX, I notice an unusual unauthorized transaction on my account in the amount of {$190.00} labeled on my statement as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX '' immediately I contacted the fraud department which both occasions transfer me twice then ended the call. I reached out through the XXXX and was told XX/XX/XXXX executive managers do not handle fraud on accounts. I would like the return of my {$190.00}. I never left the United States or made any purchases in that amount.
Product: Debt collection

In accordance with the fair reporting actXXXX Chrysler capitol vilolated my righs 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 ; it also states aconsumer reporting agency can not furnish a account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a car loan under any open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

This account was opened in XXXX, 2019. It was used only once to purchase {$45.00} worth of mulch at XXXX XXXX 's XXXX, MA location. The account number is XXXX XXXX XXXX XXXX. 

After having not received a bill or the card itself, I called and notified XXXX XXXX that the card was lost or stolen and that no bill had ever been received. 

I subsequently learned that the statements and card had been sent to a wrong address. Despite several calls, at least four, over the next few months, the address was never corrected properly and statements, or the card, were still not received. 

In each of these calls I was told there would be no finance charges or fees. While credits have been put on the account they do not keep up with the finance charges and fees charged which are being levied on finance charges and fees. That should be illegal. 

I paid the bill in full for the amount of the goods purchased on XX/XX/2019. Their representatives take notes. This is all in their records and was so acknowledged in conversation with me. 

The last call was one month ago to point out that the address was still wrong and the interest and fees still on the statement. Again, I was told they would be removed. 

I also asked that they correct the information being sent, wrongly, to the credit rating agencies. The response was that I should call each of them and dispute the account. When I pointed out that it is their responsibility to fix their errors I was put on hold for a supervisor. I am still waiting. That is the second time that happened, the first was when I called and offered to allow a direct debit to a bank account to pay for the initial charge. Their representative could not tell me what that amount was and put me on hold to wait for a supervisor. I am still waiting. 

I have endured inept service, a lack of common respect, harassing calls and damage to my credit score. I would like written confirmation that all of this has been corrected, including rectifying the credit bureau reporting. 

I also sent a letter last month. The answer was non-responsive.
Product: Checking or savings account

XXXX of XXXX an unknown person fraudulently opened a business checking account with Capital One in our family business 's name. I called Capital One to report it and find out who did it and they said I had to file a report with the FTC and Consumer Financial Protection Bureau. 

In XX/XX/XXXX an unknown person fraudulently opened a business checking account with XXXX  XXXX XXXX in our family business 's name. I called XXXX  XXXX XXXX and reported the fraud. They would not provide information of the perpetrator.
Product: Money transfer, virtual currency, or money service

XXXX 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has XXXX inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The XXXX XXXX inquiries are from these XXXX different dates XXXX, XXXX XXXX/ XX/XX/XXXX / XX/XX/XXXX. Those XXXX inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Money transfer, virtual currency, or money service

I sold a car at XXXX XXXX XXXX in XXXX, Ky. He sent the money thru square reader for {$2200.00} on XX/XX/XXXX. Said it should arrive in 5 to 7 business days. They debited XXXX XXXX from my account on XX/XX/XXXX. They took the money from XXXX account that day. 
As of XX/XX/XXXX I have not received any money from them. I would like my money plus any fees incurred from the transfer because it's been longer than 5 to 7 business days. So their failure to fulfill their part.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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: Checking or savings account

On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen.
Product: Credit card or prepaid card

I was on a business trip in XXXX, my co workers and I want to a bar/restraint. I tried to pay for the bill with my credit card but it was declined because I needed to enter in a PIN. I had no idea that my card had a PIN so I was not able to enter it. My coworker then end up paying for the bill. When I received my last credit card bill the card from the bar/restaurant in XXXX was on the bill. I called my credit card company to dispute this and they rejected my claim. 

I was told at the bar/restaurant that my card was declined and that it would not be charged. The credit card company told me to work it out with the bar/restaurant. This happened in XXXX, the people at the bar/restaurant barley knew how to speak English, and I do not even remember the name of the restaurant.

In good faith and to keep my credit score in tack I have since paid for this expense.
Product: Payday loan

sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015
Product: Debt collection

On XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX, the collection account with Credence Resource Management was removed from my credit report. Then was back on my report between XX/XX/XXXX and XX/XX/XXXX, now showing original creditor XXXX XXXX  XXXX I was unsure of what this even was so I called Credence and they explained it was a bill for XXXX of {$2600.00}. I do not have XXXX anymore as I paid off my phone and switched to prepaid with XXXX for a few months then left and went to XXXX. My husband was still on the account, which I acknowledged. I was unsure of where the amount was comin g from and they told me they could only give me select information. When I told them I had not received anything in the mail, they said it was because they have my old address, but our mail was forwarded. So I decided to call XXXX and after several phone calls to get into contact with the right person, XXXX was able to convince their collections department to speak with me. They stated they could not give out information through email anymore and they have my old address on file and can not update my address to send me the correct detailed information on what I owe to them. At this point I have no idea what to do. The amount owed does not seem correct and I am wanting a detailed bill of exactly what is owed, but no one is giving me any info or telling me they can't send me anything since they have an old address. XXXX collections even told me they can not update the address to be able to send me any statements. I am not saying I do not owe but the amount does not seem correct and I can not get anyone to send me the correct information. When speaking with the XXXX rep she was super helpful but told me how my phone was not paid off. However was in agreeance that something had to be wrong, since policy is they will not unlock your phone to be able to go to another carrier if you still owe. But I was able to switch to XXXX mobile. I remember I had to call XXXX and have them unlock my phone before XXXX would let me start service. If I owed anything then, nothing was relayed to me, and my phone was unlocked still. I even stayed with XXXX after I paid off my phone for a few months and did XXXX prepay. I just need to know exactly what is being charged adding up to that outrageous amount. XXXX collections department also told me to go into an XXXX store and they " may '' be able to print out the last XXXX statements for me. They could not do that. They were having trouble even finding my account.
Product: Vehicle loan or lease

Company Revvi XXXX XXXX I don't know this company and have not applied for vehicle loan. I didn't know anything about it till I found the inquiry I have disputed and contacted the company they will not help me rold me to go through credit bureau
Product: Credit card or prepaid card

I opened a credit card with Barclays Bank in XXXX after being solicited by XXXX and wanting to save for my daughter 's education. Big mistake on my part. In XXXX, while my daughter was a XXXX  in college, I added her as an authorized user on the credit card in case she needed to make an emergency purchase while at college. At the time, Barclay 's Bank assured both of us that my daughter had no financial responsibility for the card. 
In XXXX, XXXX, a charge was made to the account. Unknown to me at the time, Barclays had stopped sending statements on the account so that I was not aware of the charge however, my daughter did not make the purchase and her credit card was not activated at that time. I found out about the charge on XX/XX/XXXX due to a major decline in my fico score that was posted monthly by my bank. I paid the charge that day in the amount of XXXX dollars. 
Unfortunately, this has ruined both of our credit profiles. I can accept that this has ruined my credit even thought it is the only late payment that I have ever made. My score went down 100 points but it is still XXXX. 
My daughter however, is XXXX and her score has gone down almost 200 points. She has had 2 credit cards cancelled and been turned down for a car loan. Her credit score has gone down from the mid 800 's to the low 600 's. All because of the misrepresentation of Barclay 's Bank. They have ruined her future and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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

I have contacted Experian several times in the effort to get the XXXX XXXX account removed from my credit file. This is account was opened fraudulently and I need your assistance in getting this account removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXX XXXX XXXX XXXX XXXX and Fifth Third Bank. I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the Fifth Third dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Student loan

We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to TRANSUNION, to XXXX XXXX and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Product: Student loan

All payment attempts have been reversed by ED Financial, causing my account to go past due. No notification of the reversal was given to me. They send emails thanking you for submitting the payment but do not notify you if the payment is reversed. There was no reason for the payment to be reversed as the bank account info was accurate and sufficiently funded. My bank account does not show any attempted transactions from ED Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, XXXX XXXX XXXX is currently reporting erroneous information on my Experian credit report. The debt was purchased by another lender and subsequently paid, however Experian is still reporting a {$330.00} balance. 

I have contacted both XXXX 's XXXX and Experian directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative with other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to contact Equifax regarding my identity theft report and yet they claim to have never received the paperwork. I have sent it in 3 times and this negative information is stopping me employment. Can someone please help me because this is becoming increasingly difficulty to contact them and to take time out of my day.
Product: Credit reporting or other personal consumer reports

I have sent a letter to Experian regarding a dispute, about a collection named XXXX  XXXX ( Account number XXXX ) which they have received XX/XX/XXXX according to the tracking records I have gotten from XXXX when I sent the letter certified. I do not however see any indication that the reinvestigation has started so I just wanted to make sure it has. Documentation of the letter and tracking have been attached.
Product: Credit reporting or other personal consumer reports

The Capital One XXXX  Credit Card Account, ending in # XXXX, on my XXXX Credit Report { See Attached }, is INACCURATE. It is INACCURATE because Capital One no longer offer the XXXX  Credit Card. Capital One has REPLACED [ SUBSTITUTED ] my XXXX  Credit Card with a Capital One Savor Credit Card. The Capital One Savor Credit Card Account, ending in # XXXX, is being reported ACCURATELY on my XXXX Credit Report { See Attached } ; but, the Capital One Walmart Credit Card Account has not been DELETED. I am submitting this CFPB Dispute for ACCURATE Credit Reporting. This Credit Reporting Information is being reported ACCURATELY on my XXXX and XXXX Credit Reports; but NOT REPORTED ACCURATELY on my XXXX Credit Report ONLY. NOTE : I have tried fixing this problem with a DISPUTE directly to XXXX, but with no success.