23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing the negative reporting to my credit by XXXX. 

I take my bills very seriously and have had perfect credit, no late payments, and no issues for the entire history of my credit report, including with XXXX. XXXX failed to contact me to inform me there was still a balance on my account, an account I genuinely thought I paid off years ago when I paid the rest of my loans off. I placed multiple calls to XXXX customer service team and requested they send me information. They verbally told me that their system says I received calls and letters in the mail, meanwhile, I have received XXXX voicemails from XXXX and XXXX letters from XXXX. No communication happened between XXXX and myself until the date I ran my credit report and saw that XXXX reported me, created an account, and signed in to pay off my past-due balance, and proactively contacted their support teams upwards of XXXX times ( between XXXX XXXX XXXX ). Their support line has a wait time of 2-5 hours every day. 

Between paying off all of my other accounts with XXXX and no requests for payment from XXXX since then, I genuinely thought my account was paid in full until this hit my credit. There was an error in XXXX 's part for not sending me any letters or leaving me any voicemails informing me there was a past due balance. There was also a system switch between the time of me thinking I paid my loans off and the time you reported me to the credit bureau, so my old account was not active. I save all of my mail and yesterday I spent four hours going through mail from the past 8 months, there was not a single letter from XXXX. I will take a lie detector test. They failed me and they are failing other borrowers if it is common practice to report that they sent letters or voicemails that they did not send. 

An equally disturbing and shady fact of this situation is that I was blatantly lied to during one of my customer advocacy calls ( on XX/XX/19 ) and was told there was a good will credit request submitted on my behalf, and was provided a confirmation number for said credit request ( # XXXX ). I was told it was up to the Department of Education - Federal Student Loans, to approve the good will credit request. I spoke with multiple individuals at the Department of Education Student Loan office today and they said they have nothing to do with XXXX XXXX credit requests. Then I call XXXX support again today and wait for 3 hours just to learn that my account notes say I was told good will credit requests are not an option, which is very far from the actual conversation I had with the customer advocacy team. Another instance of their systems and reporting being inaccurate and their employees lying to it's borrowers. 

It is very disturbing that XXXX did not try to inform me of this debt before sending it to the credit bureau. It is disturbing that nobody is trying to help rectify a situation that would not be present if XXXX had in fact left me voicemails or sent me letters. Their systems are not accurate. This debt should not have been reported.
Product: Credit reporting or other personal consumer reports

I have been told to write a letter because I am a Survivor of XXXX XXXX. 
I am in a desperate need to fix this problem since I am trying to get things in order The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. 
Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNT THAT Is FRAUD DUE TO XXXX XXXX  : XXXX. XXXX  XXXX XXXX -Fraudulent Account Opened XX/XX/XXXX Account Balance : {$XXXX} THE FOLLOWING 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 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 XXXXXX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from PayPal Thanking me for a purchase for an Antivirus Application. I do not have a PayPal account. I called the number listed on the invoice and let them know that I did not make this purchase and the individual I talked to got very hostile after he asked me to login to my computer so he could fix the problem and I refused. He informed me that he was PayPal 's " XXXX XXXX XXXX ''. I refused to give him any personal information. The number I called is ( XXXX ) XXXX. I DO NOT have a Paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX account # 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become aXX/XX/XXXXthat has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Equifax. I formerly had a charge off with XXXX XXXX XXXX. I was able to make contact with the company and they agreed in writing to remove this account from all of my credit reports. XXXX and XXXX  removed the account but Equifax has not. I even sent them the written proof from XXXX XXXX XXXX showing them that it should be removed. However Equifax still has the account listed as a charge off on my report.
Product: Credit card or prepaid card

HSBC doesn't want to resolve the fraud charges on my account XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Checking or savings account

On XX/XX/XXXX, my wife and I realized our joint checking account was fraudulently charged {$100.00} from XXXX This was immediately reported as a fraudulent, unauthorized charge to Ally Bank on XX/XX/2022, which we were told was made using my debit card number. We were away, and my physical card was at home, untouched, yet my debit card number was somehow stolen. We were issued 2 new debit cards at our request right away ; however, the fraudulent {$100.00} funds have still not been returned to us. 

We filed a police report on XX/XX/2022 and reached out to Ally Bank since we have not heard anything further. On XX/XX/2022, Ally Bank representative XXXX said the funds would not be returned for at least 10 business days while they investigate and that we may or may not receive a letter in the mail or via email asking for more information. 

During a time when people are struggling with inflation and paying bills, this is unconscionable to put the onus on banking customers when they are a victim of fraud ( which is upsetting enough ). In the past, when I had an unauthorized charge with Ally Bank, it was quickly returned. All other banks and credit card companies I've dealt with also quickly return the fraudulent funds while conducting an investigation. Then if found not to be fraudulent, they pull the funds back out. 

We also see from XXXX XXXX XXXX  complaints, XXXX XXXX posts, and online forums that this is not an isolated issue. Many Ally Bank customers have been negatively impacted by this draconian dispute process, some waiting many months without access to funds that were fraudulently stolen from them. Ally Bank is doing this while publicly advertising that they have " zero liability '' policies for their debit cards when it comes to fraud.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I made a purchase on line with XXXX tickets with XXXX via American Express card. Immediately the prices were different as advertised so I called Amex to cancell the transactions, the agent said I needed to call the merchant, so I did and the next bill it was removed and credited. Untill the following bill XXXX XXXX the amount was added to my acct. So I disputed this with Amex and they later sent me a copy from XXXX that they had a glitch in there billing system and that they credited my sales by mistake. Than I submitted proof of my cancellation through XXXX phone logs. So Amex has been in cahoots with XXXX to keep this charge. It doesnt matter that Ive ben a loyal Amex customer for 17 years, to no solution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), 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 XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, another credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, and another credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud
Product: Debt collection

On XX/XX/2018 I called Wellsfargo and paid in full the amount of XXXX wich was the whole amount of the debt owed. They gave me a confirmation number but they havent still reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  reported " Past Due '' and " Late '' on 2 " Auto loan '' accounts under account number XXXX on XX/XX/2021 for the balances of {$510.00} and {$380.00}. I the consumer have already sent a validation of debt letter in to XXXX XXXX XXXX XXXX to prove validation that I the consumer owe such debt. I the consumer also included in my Validation Of Debt letter a Cease and Desist to Cease communication and to not report negative to MY credit / consumer report. My rights has been violated as a consumer under 15 U.S. Code 1692g
Product: Credit card

I made a purchase for a XXXX on a website that turned out to be fraudulent. The website was impersonating an actual XXXX XXXX. This was discussed on XXXX XXXX XXXX, and was the actual XXXX XXXX even posted on their website after the fraud was discovered. 

I disputed the charge with Citi, but they simply checked with XXXX ( the processor the fraud used ) who said the purchase was legitimate. There was a phony XXXX tracking number provided, which Citi used to verify the delivery. The XXXX XXXX XXXX clearly doesn't match the purchase and the picture of the product delivered is obviously not a XXXX based on size, or origin of shipment. Citi has denied the dispute.
Product: Mortgage

The mortgage company that holds my mortgage has not processed my bankruptcy payments as a credit to my loan nor have they applied all of the " unapplied '' monies to my account. If this were done I would not be behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXXection 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX  CT XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX CARD XXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXX OF XXXX XXXX XXXX : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX... XXXX AND TRANSUNION XXXX .ALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... XXXXALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... XXXXWHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE 5 CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS N MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... .I HAVE 3 ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX XXXX : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX XXXX : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Bank account or service

I 've had a problem with Capital One Bank for months now. My account information was stolen and there were several out of state purchases made with both mine and my husband 's debit cards. Capital One refused to investigate and return us the money although they do advertise a risk free debit card. They basically blamed us for everything and did nothing even after we proved that we were not at the place where the charges were made. Their customer service is the worse and we are beginning to suspect it might have been their own employees stealing our account information. We have worked with other banks and are currently using a different one but never encountered this problem.
Product: Credit card

On the line with USAA who can not see any of the payments that I made from my XXXX  accounts- XXXX  deducted the money from my checking account and never paid USAA . XXXX yesterday, in the branch on XXXX and XXXX is XXXX, claimed that USAA rejected a partial payment from my account. 
USAA claims that I have a balance due of {$23000.00}. 
This impacts my credit rating and XXXX score, clearly. 

USAA has no knowledge of any payments. 

USAA claims that usually the payments do come through from other customers. 

At the XXXX branch, XXXX claimed that USAA rejected the payments. 
They told me to call USAA. I am on the line with USAA now. they see no payments. 

See transaction record from my account at XXXX below. 

TOTAL CHECKING ( ... XXXX ) XX/XX/XXXX Online Payment XXXX To USAA XX/XX/XXXX Bill payment - {$4000.00} Credit Return : Online Payment XXXX To USAA Other {$6200.00} according to XXXX. 

USAA sees no record of payments.
Product: Debt collection

I received debt letter from Coast To Coast Financial Solutions In XXXX XXXX which said I owed {$50.00} of XXXX XXXX XXXX, but XXXX XXXX XXXX never send me any bill! 

I tried to contact this company ( Coast To Coast ), but no one response me, untill XX/XX/2020 I contacted to XXXX XXXX XXXX and I paid FULL payment {$43.00} ( they give me some discount ) to XXXX XXXX XXXX on XX/XX/2020, but coast to coast financail solutions still charge me and they report to credit company decrease my credit score and I have a collection. 

I paid again {$51.00} to Coast To Coast Financial Solutions on XX/XX/2020 I paid twice because this bill. 

My Account # XXXX File # XXXX I use my chase credit card paid to XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX {$43.00} Paid {$51.00} plus {$5.00} ( fees ) to Coast To Coast Financial Solutions on XX/XX/2020 2020
Product: Payday loan, title loan, or personal loan

On XX/XX/22 Square loans pre-approved our business XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an XXXX XXXX in the amount of {$2700.00} with a repayment term of XXXX percent of our daily credit card sales usage daily to pay back to loan. This was based off credit cards taken with a Square terminal during the periods of XXXX through XXXX that we've done. Based off transaction history. 

On XX/XX/22 we got an email from Square loans requiring more information. Connected through our account we had an XXXX that we dissolved when we formed the XXXX XXXX therefore all processing history would be under the new business and the LLP would dissolve, ceasing any processing. The only reason that the account was left open, was to distinguish at the end of the year taxes for the LLP and the XXXX Square doesn't send out multiple tax forms for processing in the SAME account for businesses. 

That being said, we stated the exact reason as above that the LLP dissolved and we converted to a C-Corporation. 

On XX/XX/22 Square Capital sent an email back denying of for the XXXX because of the processing volume of the LLP and that they require us to continue processing sales under the LLP. Unfortunately as I've stated to numerous representatives is that we dissolved the LLP and only use the XXXX XXXX therefore we can't process payments as we closed the LLP. 

I got an email back from a supervisor stating that they declined the loan because of the LLP not processing volume, anymore. 

To sum it up, Square loans is being unethical and discriminatory because they are basing their decision to deny a loan, based on a business that is no longer in business an dissolved. As we've told them numerous times, we can't process under the LLP anymore. It has to be done under the XXXX XXXX which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Square knows this 100 % we informed them promptly when we formed the Articles Of Incorporation for the business, therefore the Square loan would be transferred to the new business. In which we will be done paying that loan within this week. 

They are basing our loan information and decisions on a company that we no longer have, therefore is the reason for the decline. 

The pre-approval also that was sent was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX. 

Therefore our business based off the processing volume was pre-approved from the Corporation, not the LLP. 

The loan offer was unethically evaluated and discriminatorily judged based off an dissolved business. We have constantly paid off our loans with Square in a timely manner and way before the dates given when the loan would come to an end.