23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed with Experian and XXXXthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

Medical have been disputed also
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXX Vacations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX 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: Credit reporting or other personal consumer reports

Reporting of inquiries from the following companies : 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 XXXXXX/XX/XXXX
Product: Credit card

I applied for and got approved for an Aspire credit card in XX/XX/year>. I NEVER activated this card. I received a notification that a minimum payment of {$25.00} was due on XX/XX/year>. On XX/XX/year>XXXX  I called and spoke with a representative that told me the annual fee was already applied to the account even though it was never activated or being used by me. I explained that I never activated the card and no longer wanted the card. The representative told me it did not matter and the payment was still due. The account was not closed even after my request to close it.
Product: Credit card or prepaid card

XXXX XXXX  NetSpend are violators of the law and their own policies to close my account without consent. The account is not a benefit account ie. ssi or XXXX. It's a payroll account that's direct deposited each month. Regardless of my preference and choice in this matter, there's no reason to undermine the account owner No other has the right to close a personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting of a XXXX XXXX bankruptcy by XXXX! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but XXXX has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community XXXX XXXX and transition has also allowed pulling of my credit report by XXXX XXXX XXXX and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of community loan servicing and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with USDA YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! Transunion XXXX XXXX has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!
Product: Vehicle loan or lease

I made a car on XX/XX/XXXX which was early then ended up buying a new car on the XX/XX/XXXX. Was told to call GM to get that payment applied to my new car i called on XX/XX/XXXX to see what could be done was no problem but it would take a couple days to update. Then i called in my new payment on XX/XX/XXXX. So i asked if they could just apply that credit to XX/XX/XXXX payment was told no problem it had to update on there was a XXXX different s. Asked to pay that told wait for it to update. Now calling back again to make the XXXX payment was they were not going to give me the refund n to make the whole payment n why would i believe. What i was told
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 disputes to Equifax and XXXX  for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX XXXX for {$300.00} ; but Equifax and XXXX is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX, made an uninformed decision on when I entered into the consumer credit transaction for this credit card on XX/XX/XXXX. There was no evidence of indebtedness, The only evidence of indebtedness was the agreement, however due to the uninformed decision the agreement is null and void Pursuant to 15 U.S. Code 1601. The terms of the agreement were not clear and conspicuous and the account has been charged off since XX/XX/XXXX. I have previously disputed this account and due to the inaccuracy it has been promptly removed from XXXX and XXXX. It is now adversely affecting my XXXX credit score.
Product: Credit card or prepaid card

My XXXX card which I had for 20 years switched to Goldman Sach 's MARCUS card. I had always received a mailed bill which was paid in full promptly. 

The first month when bill did not come I went through long process to inquire and was told I had to establish an online account. or request to receive a mailed bill. They refused to adjust or correct the late fee. 

Second month a mailed bill did come late and was paid say day but two weeks later they did not show payment. Of course they did show payment arriving the day after second late fee was charged. 

Again tried to resolve even showing check was posted 2 days before they registered it as paid. 

I am a retired banker and it is obvious they are gaming the system to maximize late fees. 

Now I am canceling the card but can not help to feel sorry for the thousands of people they are fleecing every month. 
. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that TransUnion and XXXX were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called TransUnion and XXXX on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but TransUnion and XXXX have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.
Product: Debt collection

My identity was stolen to open Utility accounts in XXXX TX at addresses I do not recognize. 

XX/XX/2023 - I received mail about collections accounts that were open fraudulently XX/XX/XXXX XXXX called Online Information Services XXXX report the fraud. 
XX/XX/XXXX XXXX called again, but they said that there is nothing they can do, that I have to prove my case. They said that it will not be removed from my credit report until I pay it. They asked me to return forms that would provide them all of my personal information which I do not wish to share with them. I reserve the right to protect my personal information from creditors I have never heard of. 

Debt Collector : Online Information Services, reference number : XXXX and XXXX Creditor : XXXX XXXX XXXX, amounts {$250.00} and XXXX XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX hard inquires XXXX XXXX Requested On XX/XX/XXXX & XXXX XXXX XX/XX/XXXX, fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX fraudulent telephone number XXXX, a Fraudulent bankruptcy USBK COURT DELAWARE XXXX XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at Capital XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 online form transmissionTo whom it may concern at the Consumer Financial Protection BureauOn XX/XX/2019, I sent $XXXX via PayPal to XXXX XXXX but PayPal took my money and still has not given it to XXXX and even after my asking for it back, PayPal would not give it back, even after multiple phone calls made by me to them. They infer that they can hand on to the money as long as they like it since they deem it to be a 'suspicious' transfer. That is theft in my mind, holding on to my money because they consider it to be suspicious. If it's so suspicious, they should just send my money back. I suspect they are punishing me for selecting the option of 'sending money to friends and family' instead of selecting the option of it being a business payment. That is not a crime. It's a choice since XXXX is also a friend of mine who pays his own taxes and is responsible for this income and any taxes owed from it, if any. But this is a lame excuse for withholding money.They insisted that I give them the date of birth of someone named XXXX XXXX since the name 'XXXX XXXX' was typed in the notes area of my transfer. XXXX XXXX was not involved with this transfer and he is a third party so there is no legal reason why PayPal has to ask for his date of birth. XXXX is merely a book author I promote and I use subcontractors to help promote him. XXXX XXXX   is one such subcontractor.Please have PayPal either give the money to XXXX or refund it back to me. Let them know that they have no legal right to require an unrelated 3rd party to provide their date of birth. This makes me look bad in the eyes of my book author and my contractor. PayPal has harmed my relationships and repubtation. Thank you for helping remedy this injustice.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  , NC XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX XXXX, OK, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX
Product: Bank account or service

On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.
Product: Bank account or service

I had XXXX points available from American Express. Every XXXX points equals XXXX dollar. Thus, I had {$120.00}. American Express confirmed that I could use those points towards purchases to pay the balance on the account. The account had a {$XXXX} balance. I had purchased {$100.00} in XXXX items, shoes and a book. The shoe company gave me a {$15.00}. Ultimately, I had a balance of {$88.00}. It was a circus to use these points ; after a frustrating day of repeated phone calls, I was total that I was being given an extra XXXX for my inconvenience, which would bring my balance to XXXX, XXXX points ( {$170.00} ), and that XXXX points would be used to bring the account to {$XXXX}. That would mean that I have XXXX points left. American Express then sent me a bill for {$26.00} and stated that I had XXXX points left. I tried to address this with the Better Business Bureau ; American Express has tried to circumvent the process and sent me a letter received last week which gave an illogical explanation of the bill, especially in light of the statement copies provided. I was contacted by XXXX of American Express, who stated that I made an inquiry. After explaining this to him four times, it was clear that his call was not to resolve the issue, but rather to paper the file, so to speak. His number is XXXX, Extension XXXX. American Express sent me an e-mail reminding of credit reporting for unpaid balances ; since I pay my balance regularly, I see this an intimidation tactic and I informed American Express to have their attorney contact me, which XXXX refused this request. I believe that this is a regular business practice of American Express and that there should be an investigation.
Product: Credit card

On XX/XX/2023, my Chase credit card information was stolen, and used to make a {$1900.00} purchase from the XXXX store. This is a shared account held by my wife and I. Neither of us made this purchase. I was working in my office when the purchase occurred, and I only found out the purchase occurred because my wife alerted me that she had received a text notification from Chase of the amount charged -- that she did not recognize. 

I immediately called Chase and alerted them that this was a fraudulent purchase. They freezed my account, and initiated the process to issue me a new card. 

I then immediately called my local police department to inform them of the identity theft, and I filed a police report. 

Chase initiated an investigation, and shockingly, despite all the foregoing, refused to credit our account the amount stolen. Upon receiving the company 's determination, we asked for a secondary investigation, and we submitted evidence of the police report filed, and the evidence we submitted to the police department -- which completely and to the XXXX supported the account given to Chase. 

Shockingly, despite this evidence, and despite being a longstanding customer of the credit card company ( without any negative history ), Chase refused, again, to credit this amount to our card and is now requiring that my wife and I be responsible for this large sum of money that was stolen from us, promptly reported to the company, and to the authorities -- all within minutes of discovering the fraudulent charge.
Product: Credit reporting or other personal consumer reports

Equifax has allowing access to my credit file and reporting my non public information without my written permission. I tried to communicate with them but with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Product: Credit card

I am a credit card holder from this credit card company called synchrony and I have been making my minimum due payment as usual before my due date, on this month of XXXX my minimum due date is set to be XXXX so as the other months as well, I initiated a loan payment of {$210.00} from my chase account on the XXXX XXXX XXXX which posted on the XXXX XXXX XXXX XXXX  and the transaction was marked as completed, which reflected in my chase account balance as debited. 

Synchrony bank never contacted me about insufficient funds in my account or payment declined or what so ever since this payment posted on the XXXX XXXX XXXX 

On the XXXX XXXX XXXX XXXX XXXX  morning I checked my chase account to realize that my account was negative {$210.00} so I contacted XXXX XXXX  to as what the reason was, XXXXXXXX XXXX told me that Synchrony Bank made XXXX attempt of withdrawal on my account, the first one was on the XXXX XX/XX/2023 but declined due to insufficient funds and the the second one was on the XXXX of XXXX which brought my account to negative {$210.00}. 

I contacted synchrony bank on this said date XXXX XXXX to cross check my statement with them and they told me that everything was okay on my records with them, that my payment went through on the XXXX of XXXX and the transaction was marked as completed. 

I called XXXXXXXX XXXX to notify them and even connected these XXXX banks on a conference call but synchrony bank lost communication so I followed up with XXXXXXXX XXXX letting them know the outcome of the confirmation I got from synchrony bank. 

To my greatest surprise I am just get a message from synchrony bank that I am owing and past over due, I have attached a copy of this payments proof to this message. 

Synchrony bank is not competent to be called a bank with all of these obvious discrepancies, before I made a report on XXXXXXXX XXXX all these was not happening, but after a I made my report on XXXXXXXX XXXX XXXXhese started happening. 

How on earth can a transaction initiated on the XXXX XX/XX/2023 and posted on the XXXX of XX/XX/2023 is now declining without prior notice of all these failed transaction conducted by synchrony bank as XXXXXXXX XXXX  is claiming, its a shame this is happening from a bank that says they are credible institution?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXXXXXX XXXX Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or 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 1618s-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: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX