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

I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section XXXX, restrictions on investigative consumer reports [ XXXXXXXX XXXX. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. Please correct the account below : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My balances on XXXX of my cards are reporting over a 100 % utilization and it tanked my credit! I have letters from the credit card company with my balance!
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 have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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, andl seek appropriate redress for these violations.
Product: Checking or savings account

3 accounts opened in my name and a building that I manage. There is no bank account affiliated with this XXXX, never has been. Sent to my home address. 
Accounts end in XXXX, XXXX. A bank card in my name was sent to me with acct end XXXX.I also received 3 letters saying this will affect my ability to opend an account at other financial institutions for up to 5 years. This is the most disturbing part. I have also had to freeze my credit and sign up for credit monitoring. These letters fro Bank Of America started to arrive late XX/XX/2024 and into XXXX. I do not bank with Bank of America and have never had a bank accound under any XXXX name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX, Transunion, XXXX and XXXX XXXX has been a nightmare. I am a victim of family violence. I was been XXXX XXXX XXXX XXXX XXXX XXXX XXXX into situations that were meant to destroy me. I sent verified documents, police reports, victims certification documents to this company and they have refused to accept the documents and release this debt. There is no one who would not sign for a debt when you are being XXXX XXXX XXXX XXXX XXXX  everyday. The only thing you can do is pray for your life and wait for the opportunity to get out. I had just had my daughter and she was just XXXX XXXX old when I was forced into this debt. If you are being XXXX XXXX XXXX XXXX everyday would you be able to say no to being forced into doing something that you did not want to do? XXXX, Transunion, XXXX and XXXX has been ruthless and nonchalant about the documents I have sent. What company will refuse to do the right, fair and just thing to restore an abuse victim 's life? XXXX, Transunion, XXXX and XXXX are the unethical companies. Not only are you all refusing to acknowledge the docs but you all resold this vehicle without providing any documentation and you all are also charging me the full balance of this debt. Where is the resale information on this vehicle and why are you all continuing to take the risk of reporting inaccurate information on my account. I am sick and tired of the heartless XXXX company and I will wholeheartedly pursue as many lawsuits as possible against you all as possible. I promise you that at this stage in my life I will file lawsuits against XXXX, XXXX, transunion and XXXX. This should be removed and updated ASAP. Financial abuse, while less commonly understood, is one of the most powerful methods of keeping a survivor trapped in an abusive relationship and deeply diminishes the victims ability to stay safe after leaving an abusive partner. Without assets, survivors are often unable to obtain safe and affordable housing or the funds to provide for themselves or their children. With realistic fears of homelessness, it is little wonder that survivors sometimes return to an abusive partner. For those who manage to escape the abuse and survive initially, they often face overwhelming odds in obtaining long-term security and safety. Ruined credit scores, sporadic employment histories, and legal issues caused by the abuse make it extremely difficult to gain independence, safety, and long-term security.
Product: Debt collection

I am writing to you with an escalating sense of urgency and anger regarding the fraudulent accounts that persist on my credit report. It is abundantly clear that despite my repeated disputes and tireless efforts to rectify this matter, these fraudulent accounts continue to wreak havoc on my financial standing. This blatant disregard for my rights as a consumer is utterly intolerable and demands immediate and decisive action on your part. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The complaint is against Coinbase whose wallet provided to me, I used to transfer crypto from a different exchange to my Coinbase wallet. The transaction was confirmed and completed on the blockchain after minutes. I triple checked all the information, the wallet address etc to see if I had messed up. I have all the receipts to confirm it was Coinbase whose fault it was. I couldnt reach thier customer service team because they make it impossible to change your number if you get a new one. Just an endless loop of unhelpful websites. It was used using the polygon network. Below I have attached the evidences. The first image is the blockchain confirmation. And you can see in the transaction action it was sent to the Coinbase wallet. The second image is to confirm that is the wallet. The image is from the Coinbases app, when I press wallet address.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Experian website and tried to freeze my credit info approximately 4 weeks ago. I received an email back from them with a PIN number to be used to access my account online. The day after I froze my account I tried to access my account to verify that it was in fact frozen. I could not access my account, I kept getting messages that my email address or PIN was incorrect. I started calling the phone number listed on their website for help that day, and I have tried at least 8 different times at various times of the day and waited on hold each time anywhere between 35 minutes to 75 minutes. I WAS NEVER, EVER ABLE TO REACH ANYONE. The company obviously does not wish to assist consumers or they would employ more people to answer the phones. They have no email address to file complaints or to seek help listed on their website.. Their on line freeze program obviously has a design flaw as even when I enter my email and social security number I get an error message that they can not find me ... .. but yet they were able to charge me for supposedly freezing my account.
Why ca n't Congress and Federal Agencies such as yours hold these companies to standard business ethics?? Is everyone in D.C. controlled by the criminal LOBBYISTS??
I am very disappointed in the way these companies are allowed to operate. They should be held to a much higher standard in protecting our financial data. The recent Congressional hearings aired on TV were a complete joke and I 'm sure no true consumer protection will be forthcoming.
A VERY DISAPPOINTED TAXPAYER
Product: Debt collection

On XX/XX/19 I called XXXX XXXX c/s to have my cable tv & internet disconnected because I arranged for XXXX XXXX & internet to be installed XX/XX/19 The c/s rep told me my last day of service ( also last day of billing cycle ) would be XX/XX/19 I made sure that my balance was up to date and nothing would be owed. She said as long as my equipment was returned there would be XXXX balance. She arranged for an ups box to be delivered to me with self-addressed prepaid shipping labels ( tracking # XXXX ) Delivery has been verified. I was very careful to make sure I had XXXX balance, and that the equipment was sent and received. A month later I received a letter saying I owed over {$1100.00} for a months service, and un-returned equipment. I called XXXX c/s spoke to spent well over an hour on the phone with her, and finally she was able to verify tracking/return of the equipment, and showed my turn off date was XX/XX/19 ( conf # XXXX ) On XX/XX/19 another letter arrived saying I owed {$230.00} I called XXXX c/s spoke to XXXX in Kentucky call ctr conf # XXXX spent approximately 1.5 hr. on the phone with her. Finally she was able to verify everything and said there was one thing that had to be approved by a supervisor but she assured me settled. On XX/XX/19 I received another letter now stating I owe {$700.00} I called XXXX c/s spoke to XXXX @ Virginia call ctr. case ID : XXXX spoke to her well over an hour and she verified everything XXXX from Kentucky confirmed but she said the supervisor had to approve the {$230.00} I told her that was not acceptable I did not owe anything and did everything by the book. She said since you are stuck in the system it keeps showing you owing, you might as well pay it to keep it from hitting your credit. I told her I have an 800+ credit score and will fight this with whatever tools I can find. She said she would do everything she could to see it through, and to keep any eye out for a resolution letter. On XX/XX/19 I received a letter from credit control corporation ph # XXXX acct # XXXX saying I owe {$230.00} their customer service # XXXX My wife and I are exhausted from this matter. I have felt helpless dealing with frontier, is seems they can just throw all kinds of # s at me until I relent and pay. I have spent a lot of time of this and can not give up now. 
Thank you for your help, XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, Transunion, XXXX and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for Transunion., XXXX for XXXX, XXXX for XXXX they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/Transunion/XXXX : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXXr/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for housing due to an old judgement. The judgement has been paid and is not report on any credit reports. Unsure of how they are obtaining this information. They do not answer their phone therefore I cant fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMED EXPERIAN SEVERAL TIMES THIS XXXX XXXX ACCOUNT LATE PAYMENT IS NOT CORRECT THEY ARE THE ONLY COMPANY REPORTING THIS AS A LATE PAYMENT. XXXX XXXX AND XXXX HAVE FIXED THIS ISSUE AND EXPERIAN HAS NOT REMOVED THIS ISSUE, ON TOP OF THAT IT WAS A PAYMENT FROM XX/XX/2016 WHICH IS OLD AND IS NOT SUPPOSED TO BE STILL REPORTED AS A LATE PAYMENT. THIS IS WHAT I MEAN ABOUT THESE CREDIT REPORTING AGENCIES 90 % OF THE INFORMATION THEY REPORT ON YOUR CREDIT PROFILE IS INACCURATE. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX THESE ACCOUNTS WERE NEVER LATE ON PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes, my name came up in XXXX again for a amount that I have sent the required fee to have this former account closed as stated. It's with Bank of America a older checking account dated 2018. I have paid their collections department before being notified by XXXX XXXX  and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

Bank of America XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in XXXX report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You
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 right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 instruction.

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 items 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: Checking or savings account

I called wells fargo XXXX number and asked them not to renew my CD, the did this correctly for one account and transferred to my savings account, i called again next month for another CD that was going to expire in 7 days, they said its taken care of and wont be auto renewed in XXXX 2017. now when i check my account its been auto renewed the issue for another two years, when i called them they are transferring m back and forth and not ready to fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$4000.00}.
Product: Credit card or prepaid card

Applied for a business credit card through JPMorgan Chase Bank. I was informed it would not affect mt personal XXXX XXXX. Received a letter stating I got declined due to my XXXX XXXX. Chase Bank pulled a hard inquiry on my personal credit report affecting my score. Letter states my XXXX XXXX from XXXX is a XXXX. I immediately went on XXXX and noticed my score was in fact a XXXX. I also noted the same inquiry was pulled on XXXX. I was informed before the process that my personal credit report would not be affect because it's for my business. Misleading information from Chase. I contacted Chase and they informed me that they could not explain how they obtained a score of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX a hard inquiry XXXX , THD/CBNA ( late payments, when paid on time ), bank of XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

A transfer was made via my Zelle account to a person that I have no association with, or have any knowledge of who they even are. Account verification must have been made in order to approve transaction/transfer. This transfer occurred XXXX XXXX. After seeing this I cancelled my Zelle so that this would not happen again. I filed a fraud claim through Zelle and was informed today XXXX XX/XX/2022 that my claim had been denies. Zelle had determined that it was not fraud even though the amount of {$2500.00} had to be authorized by me via phone call and was sent to a random person I have no association with. They have taken their money they refunded me back and stated they can not help me. This company has been no help and has denied an actual fraud claim. They did not tell me why my claim was denied other than the fraud department had determined it wasn't fraud with no further explanation. This is fraud and should be handled by Zelle as such. I would not recommend this money transfer service to anyone as they do not protect customers accounts and allow blatant fraud to occur and not properly handle these situation. They have some of the worst customer service and even though the fraud was reported as soon as it happened they still denied it as fraud. I will not be using this service again and I am very frustrated that they took my fraud claim money back and stated it was not fraud.
Product: Credit card or prepaid card

I book a flight to XXXX XXXX in XXXX, which was subsequently cancelled by the airline. I paid with rewards points from my Chase Sapphire Reserve credit card. As the airline cancelled the flight I was eligible to receive a full refund. I called Chase to confirm this and they agreed and indicated that it would process automatically. It didn't and I called them again in XXXX to see what was happening and they encouraged me to wait another billing cycle. Again, it didn't automatically process. I called again at the end of XXXX and Chase indicated that they called XXXX, and confirmed the refund was received and that it would process in 1 to 2 billing cycles. It has been two billing cycles and I have yet to receive the refund.
Product: Credit card or prepaid card

I received an email from Synchrony Bank that indicated " A Trial Deposit Has Been Successfully Made to Your XXXX XXXX '' I do not have and do not want an XXXX XXXX account. 

There is no phone number to contact this " bank '' and the email indicates the mailbox is not monitored. 

I believe ANY company that opens an unauthorized and unrequested account on behalf of a consumer is committing identity theft. 

I want someone to contact this " bank '' and demand that they stop this practice. A quick XXXX  search indicates I am not the only one to receive this phishing email.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct the late open accounts listed on my credit report. Despite multiple attempts, I would like to follow up these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : {$1700.00}.
Product: Credit card or prepaid card

Hello, I purchased furniture from Arhaus on XX/XX/XXXX and XX/XX/XXXX with total XXXX with a 6 months promotional ( I was told to make equal 6 months payments and no interest will be charged ) I do that with other companies with no problem, so it wasn't the first time. 
Starting my first bill, I made equal automatic payments for more than the amount needed to ensure no issues in my billing. The payments were automatic for {$1200.00} every month. 

The automatic payment are paid on the bill due date ( that was the option on the company 's website ) Equal payments were made through XX/XX/XXXX automatically and properly deducted, until I receive a new bill on XX/XX/XXXX showing finance charges of {$830.00}. 

I contacted the credit card company on XX/XX/XXXX and they said that I had to do my last payment manually because the automatic payment doesn't reflect it on the correct date. 

At this point, I am not sure what are my next steps since I made proper payments on the due dates but they are overcharging me {$830.00}. I appreciate your assistance.