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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/year> XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX ACCOUNTS THAT NEED TO BE DELETED BOOM PAY XXXX - XXXX
Product: Payday loan, title loan, or personal loan

I've been harassed about an account that isn't mine. My father, who I'm not in contact with, listed my phone number with a personal finance company loan of some kind. I have told said company to stop calling me and to put me on their do not contact list. On XX/XX/XXXX they called me to ask about my father. I told them then to stop calling me. On XX/XX/XXXX they called me again. I told them to stop calling me. I received yet another call today from them asking about my father XX/XX/XXXX.
Product: Credit card

I have been trying to fix my credit. Back in 2021 I allowed my ex to use my credit credit where she maxed it out and never told me. I contacted Discovery about the matter I was informed my account was closed. I was offered a settlement of three months paying {$90.00} for two months which I went through and paid the settlement. I checked my report again to find out for a second time the balance had increased and the account kept collecting. I contacted Discovery once again and did ANOTHER settlement for additional three months and they said it was settled. This I checked my credit again for the third time seeing the same result not only that, they overdrafted my Bank account over {$600.00} and put me more and debt and theres no resolution and it is destroying my credit and any chance to build a future with my family.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I've had it come to my attention over the past few years that several bank accounts have been opened in my name and using my own information and cold checks were then written and cashed on those same accounts, looking as though it were me doing so. It has caused me various legal issues including jail time and fees and prevented me from opening any legitimate bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified mail to have the XXXX XXXX account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.
Product: Debt collection

Westlake account information report inaccurate data to each three agency. XX/XX/2016 company says debt reports all information is inaccurate from the dollar amount to the late payments the statement in the notes. The company called XX/XX/2016 times from 9 different numbers with four angry messages. In a 90 day span called 1587 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Experian is reporting inaccurate information on my credit file.
Product: Credit card

I made a purchase for XXXX to XXXX XXXX and the same day I requested a refund for the XXXX with no results. In 2 weeks XXXX XXXX got 3 payments XXXX, XXXX then credit card doubled my credit card limit from XXXX to XXXX and sent to XXXX XXXX XXXX all cash and they do not know where or to whom all in 2 weeks. I got y credit card statement and call credit co. and they never did anything about the money and I had to pay it XXXX For a year plus I tried to contact both scammer and credit card co. . I got no reply from scammer and card did nothing. that credit card stop calling after I said I am not paying that was years ago. I found out when my credit score went from XXXX to XXXX ruined my faineances and still is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX. This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA
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 seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I deposited a Cashiers check in Capital one bank. The check was from a buyer ( name : XXXX XXXX XXXX, phone number is XXXX XXXX XXXX, and XXXX XXXX XXXX ) because I was selling a queen bed through XXXX. The buyer sent me a check for the bed and movers ( {$150.00} for the bed and {$900.00} for mover, total is {$1000.00} ). On XX/XX/XXXX, I saw the money {$1000.00} already in my account. Even though, I went to the bank to confirm if the check went through. The cashier checked for me and said yes. And capital one sent me an email that Youve successfully deposited your check ( s ) into your Checking account ending in XXXX, and the money should be available by the next business day.

Amount : {$1000.00} Since the cashier told me the check went through, I thought the check was good. Both cashier and the email didnt mention anything about the money need 4 to 5 days to transfer or verify. Otherwise I would not mail {$900.00} to the mover. On XX/XX/XXXX, I mailed {$600.00} to the mover, XXXX XXXX, address is XXXX, Rhode Island, zip code XXXX  through XXXX to XXXX  and mailed {$300.00} on XX/XX/XXXX.

Since no one come to pick the bed and I couldnt get back from the buyer, I checked my checking account on XX/XX/XXXX, I saw the check pending for chargeback. I called Capital one bank and I was told the check was not right. But I have mailed {$900.00} to someone.

I made several calls to Capital one to complain because I dont trust the buyer, but I trust the bank. If the money was not on my account and if the cashier or the Capital one bank email mentioned that the fund need several days to verify, I would wait. However, I was told there is nothing Capital one bank can do about.

When I deposit a regular check, it takes several days to go through. But the cashiers check can get next day. I thought cashier check takes shorter time to verify. Now I know it is not verified. But no one mentioned it to me. I dont think it is my fault. It should be banks problem.
Product: Checking or savings account

I am the guardian of property for my mother, a XXXX year old XXXX adult. 
She has had 3 CD 's at PNC Bank for many years. I renewed all CD 's at 0.75 % INTEREST rate on 3 different occasions from XX/XX/2018 to XX/XX/2018. 
PNC Bank reassures me that the interest rate will remain at 0.75 %. Then, someone at PNC changes the rate to 0.05 %. I did complain and they returned some of my mother 's lost interest in XX/XX/2018. It keeps occurring and they keep lowering the interest rate of return to near zero. They did it again in XX/XX/2018.
Product: Debt collection

I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.
Product: Prepaid card

After system glitch, I am missing XXXX dollars due to incorrect balance projected. Funds were also removed from my saving account without concent and removed from my transaction history. I have contacted rush card for over 2 weeks without a resolution I 've been avised it would be resolved at the highest priority. No one has us reach out to me via phone email and or XXXX on social media. I have multiple screen shots proving unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Product: Debt collection

XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX   XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs
Product: Vehicle loan or lease

I purchased this vehicle with about XXXX miles on the odometer and it has had multiple problems and repairs. I had tried to invoke the manufacturers warranty but was told the vehicle did not qualify. I looked up the data regarding the factory warranty and it didn't match what i was being told by multiple XXXX dealerships. The vehicle is in such bad shape at this point it would require thousands of dollars in repairs to make it road worthy. It was deemed not safe by the dealer that it is at right now. I still have to make payments on this vehicle despite all this. The company that sold me the car has threatened to ruin my credit if they are forced to take it back. I am unsure of what to do at this point.
Product: Vehicle loan or lease

I'm a joint owner of this account. The account fell pass 30 days, Schoolsfirst never notified me, called or email. Myself and the primary owner are divorced and I dont have any contact with her. Now my credit shows 30days late, I had no idea that account was late. Schoolsfirst will not provide a web login, they wont even let me know the address on file. They never sent my any any invoices to my address. I want the 30 days late removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}
Product: Checking or savings account

I have been a customer of Bank of America since XX/XX/XXXX. I opened a savings account for travel. I have only deposited money into that account, and have never, ever in the 7 years I've banked with them, withdrawn any money from this account, not even once. I'm fact, the actual card has never been on my person, it's been in a file box the entire time. I was perusing my account in XX/XX/XXXX and came across two debits on the same day, XX/XX/XXXX, one {$1000.00}, and one for {$750.00}. I filed a complaint for both of them with the telephone banking center. This was highly unusual activity on that account and BoA 's fraud detection system failed to detect or even notify me. {$1000.00} was taken out of the drive through ATM and {$750.00} was taken out inside the bank. I was assured on the several phone calls I made regarding this case that they do have security tapes and they would investigate these issues. I received no information for very long periods of time. After one of my calls they sent a letter by mail declining to affirm that the {$1000.00} ATM withdrawal was fraudulent activity. I called the fraud department and they could give me no added information. I could not get an email address, name or direct phone number to anyone in the fraud department. I called again and sent another letter requesting any information they had that would conclude it was legitimate. No reply. I sent another letter ( 3rd letter ) and a fax, to a number I was given on the phone, inquiring about the {$750.00} in-bank withdrawal and much later I received a letter denying this claim as well. 

I will include all correspondence and if needed, statement summaries going back to XXXX which proves everything I have said. 
Again, BoA fraud department has NO EMAIL ADDRESS, NO NAME, AND NO DIRECT PHONE NUMBER to the fraud department. This is highly suspect to me. I have had to communicate with them only by mail. They have not answered any questions, and haven't given me any information I've requested. 
I have attached 33 pages of account statements going as far back as I could, to XXXX, including the XX/XX/XXXX statement showing the glaringly fraudulent account withdrawals, which proves everything I've said. The bank tapes should back this up as well, if they actually do have them as they claim to. 
I have obtained legal council, who advised me to file this complaint with the FDIC as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 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 item 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: Mortgage

I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy.
Product: Checking or savings account

I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I received a text alert with a web link from a hacker posing as JP Morgan Chase. The text alerted me that I needed to take immediate action to unlock my account. In order to unlock my account the text message requested I click on the link and send a picture of my State ID, a picture of my debit card ( front and back ) and also a photo of myself without glasses or headgear. The steps I have taken to prove to JP Morgan Chase that I was a victim of fraud are as follows : On XX/XX/2022 Hackers compromised my account and withdrew {$4000.00}. 1. ) I realized my account had been compromised on XX/XX/2022. I also contacted Chase on this date. Results : The Chase representative then opened a dispute on my behalf and stated I should hear from them in 3-10 business days. On XX/XX/XXXX Chase sent me a letter stating they closed my dispute because they believed the transaction was authorized. 2. ) On XX/XX/XXXX I visited the Chase Branch to speak to a representative regarding the letter. Results : The Chase representative provided the fraud department 's phone number. 3. ) On XX/XX/XXXX I called the fraud department and they requested additional evidence. I then provided a screenshot of the text message I initially received, a screenshot of the email I received when the hackers created a XXXX wallet, and a full description of the incident. Results : The Chase representative that they would re-open the dispute and re-investigate the claim, and would hear back from them in 3-10 business days. Results : On XX/XX/XXXX I received a second denial letter from Chase. 4. ) I called the Fraud department and requested to speak to a supervisor, and they transferred me to XXXX, from the executive office, who requested me to email all the proof I previously sent to them. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed. After an exhaustive process with Chase with no resolution, I decided to report it to the XXXX Police Department on XX/XX/XXXX. On XX/XX/XXXX, Detective XXXX launched an investigation and issued a warrant to Chase to retrieve the ATM surveillance footage from the day the hackers illegally withdrew money. On XX/XX/XXXX I contacted Chase regarding the Police report and they requested I send over all the previous documents including the police report. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed.