23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been a customer with cash app for over 6 years, have used their services plentiful. On Tuesday, XX/XX/XXXX, I went to an atm and the machine was faulty and did not dispense cash. I opened a claim and as of Sunday, XX/XX/XXXX I was credited back. Today i attempt to purchase and send bitcoin as I have done now for over a year and was flagged and closed today without explanation. This was normal activity to buy sell and send.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX est I called XXXX customer service at XXXX about my account stating, '' Login not permitted We 're sorry! 
We have a problem with your account that needs to be fixed before we can restore your online access. '' When i called the number it transferred me to an agent whom i spoke with and said that i needed to verify my account. I answered the standard address, phone number, last 4 of ssn etc to verify my account. They proceeded to ask me if i had a device that i could receive a security code on such as a mobile phone or landline. I do not have a cell phone at the moment and provided the agent with my landline to receive the code. My landline happens to be through XXXX XXXX and is a VoIP # that was bundled with my package deal. Because this number is a VoIP # the agent and her manager whom i spoke with both refused to give me the call back so i would be able to receive the code, stating that my chosen way to receive phone service was not secure. They would not help me, tell me anything about my account except that i would have to wait for the mail ( Paper mail ) to receive my code so i would be able to log into my account. 

The second issue i have with this company is there holding policy on credit. I made a payment on my account for over XXXX dollars and because of this, they processed the payment, took the payment out of my account and then as of the last time i seen my account status, ( XXXX XXXX, XXXX ) still had my credit as unavailable for use. They told me when i called on XXXX XXXX, XXXX that it would be up to another 3 days before they would release my credit, even though they had the payment, it cleared my bank account and was in there account. What shady business practices is Synchrony Financial running with there credit operations. I feel as though there discriminating against me because i choose to pay off my account balance instead of continuing to pay them there absurd interest rate payment every month.
Product: Debt collection

I have disputed this item on my credit report and placed fraud alerts as I have never know or heard of the creditor and I have never received any information regarding this debt or company
Product: Vehicle loan or lease

I've seen no changes for the accounts that I have filed last month, and disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Mortgage

To whom it may concern, This is regarding two current mortgages that I have with Bank of America. I have made several payments that have not been applied to my account. I have attempted since XX/XX/XXXX to get all payments that I have made be applied to my mortgage to no avail. I have been on hold in excess of 3 hours and then disconnected. I have all documentation showing payments that have been made. If someone could contact me I would greatly appreciate it. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Following inquiries on my credit report were not initiated by me. I've attempted to call them multiple times, and they won't delete them even though I have a fraud alert as well as an identity theft affidavit that was sent. 
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
Product: Credit reporting or other personal consumer reports

I do not remember applying with this creditor. 
On XX/XX/XXXX  I requested that you provide me documentation of your authority to review my credit. 
On XX/XX/2024 you asked for my private information : SSN and an inquiry date. You have not provided me with any information that I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX XXXX and monitoring services and Transunion several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say XXXX and Transunion is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted TransUnion to dispute the incorrect information being reported on my consumer report. I then sent in a 609 letter demanding validation of the alleged information. I have not had a response from the company. I filed a CFPB report in XX/XX/2023 but the case was closed and no remedy was granted. I have called TransUnion on several occasions after XXXX. I contacted them again today XX/XX/2023 and they advised to send in a 609 letter which was originally done in XXXX, demanding all inaccurate and alleged debt be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I mailed off a dispute letter to Transunion, disputing the account, XXXX Acct # XXXX. Transunion did receive my letter and had entered it in their system, as I did see it then under active disputes, with a completion date of XX/XX/XXXX. However on XX/XX/XXXX, I saw that the dispute itself disappeared from my Transunion, and I was never notified of the investigation results. I believe Transunion is neglecting to remove the account from my report, XXXX are doingnothing at all to show it's valid when clearly it's not and have been removed from my XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone newd to hold the accountable for this.
Product: Money transfer, virtual currency, or money service

I am waiting for my check for $ XXXX XXXX  XXXX said that they have sent the check but I have not received it. I get email from the bank the check is cashed. I need my money. My account number is XXXXIf I am not given my money will go legal.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX Account number : XXXX You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below
Product: Debt collection

I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : Experian XXXX   XXXX  XX/XX/XXXX XXXX : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX Accout # XXXX, Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX XXXXt # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Bankruptcy filing, 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.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX still working to survive and support myself. On XX/XX/XXXX I submitted online via Western Union XXXX dollars to NC to a contractor who was constructing a porch for me .After being interviewed by a rep from Western Union as yo the purpose of this transfer and a host of other questions I was informed by email that all is fine for the receiver to pick up the money in NC . The contractor ( recipient ) was also contacted by Western Union to pick up the money with a govt issued ID .After 3 days on XX/XX/XXXX the contractor went to retrieve the money at a Western Union business and was informed the money is on hold. I called WU and the rep told me the money will be refunded to my account ( that was on XX/XX/XXXX. ) Despite multiple attempts to rectify the situation Western Union has failed to return the money back to my account. Western Union has also failed to provide satisfactory explanation for failure to return my XXXX dollars plus fee for sending that sum of money in minutes. I have contacted WU customer service numerous times ( about 18 times ) with no resolution. I even contacted them yesterday and today. Needless to say the lack of accountability, transparency and ( in my opinion honesty ) on their part has left me in great financial hardship with inability to pay for my life saving medications ( because I took the money I had put aside for that need to send to the contractor believing WU would exercise the decency and integrity to return my hard earned money. I am respectfully seeking your assistance to retrieve my refund from Western Union. Please feel free to contact me at XXXX or email XXXX. 
Thank you for your time and consideration. 
Tracking number from Western Union for this transaction is XXXX. I serve my country as a XXXX XXXX since XXXX every day even during Covid epidemic and earned a honest living and should not be treated this way for my own money.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " XXXX '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Inquires : 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 or other personal consumer reports

Validate Account XXXX XXXX XXXX : XXXX
Product: Debt collection

I was involved in an accident that was NOT my fault and had to be transported to a large hospital via air ambulance. The case against the party at fault is pending litigation and The original bill was sent to collections for 12 % more than the original bill. They have sent me nothing the verifies I owe this debt to them and this is a HIPPA violation. I would like this immediately removed from my credit report as they have failed to provide me with any supporting documentation.
Product: Credit reporting or other personal consumer reports

my social security number was used to create an account for mortgage loan which i never received equal consideration as the bank. it is not lawful to use my social security number in a consumer transaction, therefore it was misused and reported on my credit report. Also, its showing up as an active finance account, which I never received the funds to purchase a home. How is this possible? this is clearly fraud. and XXXX sold my bond to a third party that is now showing up on my credit report through XXXX XXXX and XXXX as XXXX finance. second issue is that I never applied for anyhting at Capital One bank and there is an inquiry showing up on my credit report, how is this possible, these banks are openly committing fraud and misusing the consumer 's social security account for their own gain leaving the comsumer with nothing and we a re the creators of these accounts.
Product: Checking or savings account

Monday XX/XX/2021 multiple charges were made on my checking account totaling {$900.00} dollars. I called TD bank to report fraud I was told I had to wait 24 hours before I could report. I called back on XX/XX/2021 and the phone representative said they couldn't help me. I went to the bank itself on the XXXX, to finally report in person and receive a new card. Still haven't gotten my money back and Td is provided me with no help
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXXl presume that no proof of the alleged debt. no therefore, any such debt in fact, therefore exist ( please remove these accounts before I see litigation for defamation of character. ) XXXX  XXXX balance {$530.00}, please remove these fraudulent 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal had a breach in 2022 its public information they are being sued, they still owe me alot of money, I have done most of the work they don't respond to emails very poor communication skills and incompetent customer service representatives it has been awful it added so much stress to me while I was in and out of hospital my identity was stolen due to their breach all my credit cards as well as my husband 's were maxed and the thief also got my bank they did issue some refunds but kept claiming it was my banks responsibility and my bank was saying it was PayPals and I was stuck in the middle so much stress and XXXX phone calls later I'm still out the money which I can not afford and I should be paid for my time my bank was tired of it closed my account in the middle of investigation so I can't get any help from them now so PayPal should be held responsible I just want my money please
Product: Credit card or prepaid card

I have tried to apply for the Apple Credit Card, My XXXX XXXX XXXX, and My XXXX XXXX XXXX XXXX for over a year now. Every time I applied they asked me for my ID and then the application get declined they think is a fraud but is not. In the last email, they told me that they were unable to verify your identification information. I don't understand what's going on with Goldman Sachs that is always some XXXX. When I call sometimes they can't even see my applications. They are not telling me what's going on, they don't send me a letter in the mail either. My last application was on XX/XX/23 and after I applied I call several times to make sure they received everything and the pictures of my ID are clear and they told me yes everything is fine XXXX.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach through XXXX, I am a victim of identity theft therefore causing incorrect accounts and information to report onto my credit report. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I attempted multiple times to have these accounts deleted from my credit report and had no success. 
XXXX verified these accounts without proper investigation and identification validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had CBNA Best Buy credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting CBNA about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit
Product: Prepaid card

My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''.