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

The XXXX states wide and International listed fraud as identification scam 's imposters and business identification population imposters Frauding my dead great  grandmother documents of XXXX XXXX XXXX who full identity was XXXX XXXX XXXX XXXX, her husband of XXXX XXXX also had a Sir name before immigration to the XXXX of Sir name XXXX. 

She was born on XXXX, died on XXXX The XXXX states wide/and international/listed my grandmother and grandfather information as business permits frauding a property property grave and serial numbered corners record of my great grandmother. 

My great grandmother only had XXXX daughter of my grandmother of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX There fraud isn't authorized
Product: Credit card

Our primary dentist referred us to a XXXX  XXXX who claimed to be a XXXX XXXX XXXX XXXX. However, we later discovered that the XXXX had been dropped as a preferred provider, resulting in XXXX XXXX charging us out-of-network rates. Furthermore, the specialist failed to complete the dental work, leaving the XXXX XXXX Additionally, at the end of the incomplete procedure, while my wife was still XXXX  XXXX, the specialist raised the initially quoted price from under {$500.00} to the out-of-network price of {$1600.00}, and then proceeded to charge the credit card for the higher amount without prior consent. 

We initiated a dispute with Citi Bank 's credit card ( XXXX ) over the unauthorized charge by the XXXX  XXXX. Despite providing comprehensive evidence, Citi Bank repeatedly asked for the same documentation that had already been submitted. Every time we called the dispute customer support, the agents reviewed the submissions and expressed confusion as to why the dispute was closed and the information re-requested, affirming that the provided documentation was more than clear. Citi Bank could not specify what additional evidence they needed that we had not already provided. Nonetheless, Citi Bank continuously closed the dispute without proper review. Eventually, they refused to reopen the dispute, claiming the time for disputing the charge had expired.
Product: Credit card

On XX/XX/XXXX, I called Commerce Bank Credit Card department to let them know that I was making a lump sum payment that I wanted to make sure would be applied to the largest interest rate balances on my card. The customer service rep said he could not determine this and I informed him that Commerce Bank needed to oblige by the Credit Card Act of XXXX. I then proceeded to make the payment of {$5300.00} online, and sent an email through my online account stating exactly how I wanted to payment applied which was directed to the two larger interest rate balances which would have resulted in those being paid off completely. My statement was issued by Commerce Bank ending on XX/XX/XXXX, and the balances on my credit card did not reflect proper allocation of my {$5300.00} payment. They did not apply payment to the largest interest rate balances and in fact barely applied an amount to these. I called them today, XX/XX/XXXX, and the customer service rep stated the same, that they can not control how payments are applied. I am now on hold to speak with a manager, but I have already done more than I should have to in order to ensure they follow consumer laws and act as I'm directing them to do in regards to my credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to purchase XXXX at a price of {$2200.00} inclusive of fees on the Binance.us website. The website indicated the transaction failed and my account was not credited, however on XX/XX/XXXX their payment processor withdrew {$2200.00} from my bank account. I contacted their customer support and did not receive a response until I began complaining about the situation publicly on XXXX. Since then I have received emails, usually a week apart, first asking for more information, then acknowledging the error, then saying my account would be manually credit for the purchase, and finally saying that they might be able to credit my account towards the end of the month. I separately contacted XXXX, their payment processor, however XXXX ascribed the problem to Binance, us and didn't really offer any help. As of today, XX/XX/XXXX, I have received no reply to my last correspondence indicating I found their " solution '' unacceptable ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2023 I received a notification via email ( from my XXXX credit account ) that there was a hard inquiry made by XXXX XXXX. I called them to dispute and they said it was a personal loan application made through Money Lion ( a company like XXXX XXXX ). I did not apply for a personal loan. This was a fraud. 

I placed a freeze on my social security number and have already contacted XXXX regarding the fraud. I was told by both XXXX and XXXX to file with FTC to get this off of my credit report ASAP. 

I am going to call the other 2 credit bureaus today.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My experian credit report shows a bankruptcy however I have disputed this item and the credit bureau only sends me a statement saying the item was verified with XXXX County courts the problem is XXXX County counts has provided me a letter stating they did NOT verify any such information and DO NOT verify bankruptcy information the law requires Experian to provide me true and accurate information in regards to their verification process or remove the entry if in fact it can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were number of days as late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear as late on an account that has already been paid. Kindly help me correct this account reported by XXXX credit bureaus as negative in my credit report : XXXX XXXX  XXXX Balance Owed : {$33000.00}.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for AMEX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for AMEX. I have never applied nor used their CC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXXXXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX  XXXX
Product: Credit card or prepaid card

I have excellent credit and have been a customer of Capital One for well over a decade. I am struggling a bit with debt so decided to apply for a 0 % interest rate credit card to help manage it over the near-term. I wanted to go with a company with which I already have an account. Capital One advertised a 0 % intro rate for 15 months and a 14.99-25.99 % rate variable thereafter. I applied on XX/XX/XXXX and was immediately approved. The interest rate on my account is XXXX, the highest possible rate, and does not reflect the introductory rate. I called the company, and the person told me to wait. The rate has not changed, and the representative was unhelpful. They offer no options to contact the company in writing. 

This is false advertising and they pinged my credit for a card that I will never use due to the extremely high interest rate. They should change the advertising, provide what they promise, and reward good credit with lower rates.
Product: Checking or savings account

Chase has kep my {$5000.00} on hold even though my other bank is approved and Linked to Chase. I completed the transfer on XX/XX/XXXX and never got my funds. I tried calling and they wouldn't help.
Product: Money transfer, virtual currency, or money service

I submitted a previous complaint about this case with the number XXXX. I added a copy of the pdf down below. I got an answer as to why my PayPal account was banned just now. I feel like I need to explain further in detail as it still makes absolutely no sense to ban me for that without even a warning in the first place. 


First : Every transaction I had on there was legitimate. Let 's leave that out of the equation. So stop using preventing suspicious activity as an excuse. 
Second : I returned back to XXXX after finishing college at the end of the last year, but I still used PayPal from time to time for purchases and sending/receiving money to/from friends. And also, I will go back to the US in a few months for graduate school. I need this account to pay and receive money and I need the money that's frozen on there right now. Third : I don't understand why I can not use my PayPal to pay stuff while being temporarily outside of the US. Nothing 's changed besides my physical location. Most importantly, I got no warning prior to this ban as well and did not know that you can not even use your account outside the US. 

Please review this ban and give me a reasonable solution. Otherwise, I would dispute this nonsense over and over if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : The company is called Credence Resource Management ( CRM ). There address is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. The account number they are using is XXXX, which they claim was opened on XX/XX/XXXX, with a balance of {$530.00}. 

I have attempted to dispute this false or fraudulent information with CRM on XX/XX/XXXX. I informed CRM that I had no knowledge of this debt. CRM has offered no record to support their fictitious claim and has failed to remove this false and derogatory information from the Credit Bureau. 

I believe CRM is engaging in false information for the purpose of fraud. By making a false and unsubstantiated claim of indebtedness, CRM is attempting to extort payment for profit. CRM is improperly and adversely attempting to diminish my potential credit worthiness for their profit.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed a number of unauthorized inquiries on my profile. Those inquires consist of following Creditor Name Date of Inquiry Credit Bureau XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Product: Mortgage

I am concerned that my mortgage servicing company, Wells Fargo, recently ( XX/XX/XXXX ) hired a real estate appraiser who provided a ridiculously low home valuation, thereby enabling Wells Fargo to keep PMI on the mortgage. The PMI costs us about {$100.00} per month. I also had to pay Wells Fargo {$100.00} to get this Broker Price Opinion ( BPO ). The house was purchased in XX/XX/XXXX for $ XXXX ( after having initially been listed for $ XXXX ( $ XXXX/sq.ft. ) during the height of the real estate boom ). 

The BPO only had to get our home value to $ XXXX ( $ XXXX/sq.ft. ) to remove PMI. XXXX suggests the home is now worth $ XXXX. XXXX   suggests the home is now worth $ XXXX. XXXX suggests the home is now worth $ XXXX. However, amazingly, the BPO concluded the house 's present value was only $ XXXX ( $ XXXX/sq.ft. ), thereby preventing removal of PMI. The BPO acknowledged the existence of $ XXXX of added-value improvements since purchase, but apparently the broker did not feel those improvements added any actual value to the home. The BPO suggested a power washing of {$800.00}, and found nothing else deficient with the house. 

By contrast, in XX/XX/XXXX the house across the street from us sold for $ XXXX/sq.ft., in XX/XX/XXXX the house two doors down from us sold for $ XXXXsq.ft. In XX/XX/XXXX, a house around the corner sold for $ XXXX/sq.ft. In XX/XX/XXXX, an older, significantly smaller house three doors up from us sold for $ XXXX/sq.ft. ( These figures are all verifiable at XXXX ). Disappointingly, none of these sales were considered in the broker 's BPO. The broker found it preferable to compare us to homes miles away instead. We only needed to get to $ XXXX/sq.ft. to remove PMI, and it baffles us how the broker could not reach that figure given the average actual price for square foot in our immediate neighborhood. My wife and I feel cheated by this BPO purchase from Wells Fargo, who has an incentive to keep PMI on the mortgage. We feel that maintaining PMI is very unfair given the reality of the actual local real estate market.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT ENDING XXXX HAS BEEN PAID BUT IT IS STILL ON MY CREDIT REPORT AND HURTING MY CREDIT REPORT. PREVIOUSLY I HAVE SUBMITTED MY COMPLAINT OF BEING A VICTIM OF IDENTITY THEFT. BUT YOU HAVE DECLINED MY REQUEST. NOW ITS BEEN PAID OFF I REQUEST TO DELETE THE ACCOUNT FROM MY CREDIT REPORT DUE TO IDENTITY THEFT. THE INFORMATION YOU ARE REPORTING ARE INCORRECT.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Product: Credit reporting or other personal consumer reports

I hav sent a request XXXX and TransUnion to verify my accounts for inaccuracies and updates but they have not made the accurate changes or removals their were several accounts that needed to be removed or updated that has not been done. Please fix issue!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX / TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's / TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I tried disputing with XXXX  XXXX but it comes back as verified but I know they didn't investigate anything because I have a letter from the Dept collector saying I resolved the account and don't owe anything ( balance to XXXX ) and then I noticed it's incorrect account number for the same account that's I owed that's why they couldn't find and delete it from my credit report I need help because they are playing a ruthless game with my financial wealth and it not fair I
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was sent a check for what I thought was a business deal. I made transactions with funds from this check, having funds available at the beginning of XXXX. On XX/XX/XXXX, there was a stop payment placed on the check, causing any transactions to not go through, and causing my account to go negative, which I have not been able to catch up on. The check was from Alaska Credit Union, written from the account of XXXX XXXX  for {$15000.00}. I have attempted to obtain funds from this check, to no avail. The credit union would give me no information as to why a stop payment was issued.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia XXXX ( XXXX ) XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Collection Accounts Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following collection accounts listed on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c, I request that these accounts be investigated and verified. If they can not be properly substantiated, I demand their immediate removal from my credit report. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1692c, I am also asserting my rights regarding communication practices. If these debts are valid, I request that all communication regarding them be conducted in writing only. Additionally, if these accounts are inaccurate, outdated, or unverifiable, I request their deletion from my credit file as required by law. 
I request that TransUnion complete its investigation within the legally mandated 30-day timeframe and provide me with the results in writing. Please send confirmation of any deletions or corrections made to my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Need Them Removed!
Product: Vehicle loan or lease

I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX  they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.