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

I recently reviewd a copy of my credit report a noticed a had fraudulent accounts on my report. please remove these accounts from my report, tjhey are hurting to obtain credit.
Product: Money transfer, virtual currency, or money service

I used Cash App to purchase some stock. On XX/XX/2021, at XXXX, I sold {$360.00} of stock. I have a screen shot of this sale showing the date, time, and value. Cash App only deposited {$300.00} in to my account. I have sent multiple emails to Cash App customer service - they have only responded twice, and in those responses only said " we are reviewing this ''
Product: Credit reporting or other personal consumer reports

I filed a dispute with experience and everything that I disputed they said it was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm having a few problems. I first need hard copies of all three credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and Experian has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not. Experian has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
Product: Credit card or prepaid card

Fraudulent XXXX XXXX XXXX  ( account/s ) XXXX : distributed information dark web Cell ported number Can not contact bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Innovis has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXX XXXX  Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, to whom ever it may concern I have an problem with XXXX XXXX  I keep having issues with them trying to collect debt from me Debt that I never accumulated, Ive asked them multiple times to show me accurate reports, dates and the times of the debt, I still havent heard from them But it is on my credit profile and is preventing me to move forward, I have my documents proving I owe no debt and its somewhere in the data thats wrong, or someone elses information is being mixed up with mines. The pictures shows the inaccurate information because if I did owed this debt, both pictures would have the same description, dates, balances due But as yall could see it not the same
Product: Credit card or prepaid card

I open a Freedom unlimited Chase credit card on XX/XX/2019. Once the account was opened, I proceeded to do a balance transfer. I read the document for the fees and mentioned a 3 % fee for balance transfers. After I did the balance transfer, the bank charged me a 5 % fee. I have repeatedly sent emails to them, but they keep saying that 5 % fee is standard. I showed them the documents that said 3 % and they continue to ignore it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : JPMCB CARD Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Product: Debt collection

I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are on my account in the last 10 days that I did not authorize. Below is the information that I have pulled from my credit monitoring service for Experian ; XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact:XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Account Type : Bank - nonspecific Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : EXPERIAN BUS INFO SOLUTIONS Creditor Contact : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Type : Credit bureau Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account Type : Bank - credit card Inquiry Date:XX/XX/XXXX The following are the inquiries from before this date that I also did not consent to : XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX Creditor Contact : XXXX XXXX XXXX XXXX, OH XXXX-XXXX  ( XXXX ) XXXX Account Type : Sales financing companies Inquiry Date:XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I have sent PDQ services several letters in the mailing ask them to send over a contract. They have all mentioned that they have sent over an itemized bill, which is unacceptable. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified ; you are obligated by law to remove the item. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. This needs to be deleted from my credit report immediately!
Product: Debt collection

Senex services placed an entry on my credit as a collections I have asked them to validate the debt with no success I have contacted oringinal creditor and they stated I have no outstanding balance nor has anything been sent to collections with my name birthday or ssn. I want this entry removed and i want them to follow the laws as far as debt collecting. They have severely impacted my credit on a bogus claim I owe money and if not resolved I will pursue legal options if this is not validated and or this entry is not removed from my credit. I have no statement with Senex Services nothing with there name and address. or phone number i had to get online after my credit alert notified me of a deragatory entry on my credit. I have contacted and visited original creditor and this is not a valid debt1
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time XXXX  has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to XXXX  stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX  Account # : XXXX
Product: Credit card

I have had a Bank of America credit card for over 13 years ( taken over from many more years prior with MBNA ). This card has a fixed rate of 5.9 % that originated from before Bank of America acquired the card. Over time I had acquired a number of rewards points as well which were unused. I have historically had a very good use and payment history. Recently I paid down the card to what I thought was a {$0.00} balance. I attempted to use it recently and it was " declined '' causing me embarrassment and inconvenience. I called customer service and after a 30 minute wait was told the card was closed. I did not ask the card be closed. I was told the reason for closure was a " business decision ''. I was also told there had been an approximately {$29.00} balance on the card for the previous 2 mknths that I had not paid. I never received a bill for the balance nor did anyone contact me via telephone. Because I thought the account was paid off I did not expect to get any billing statements and thought nothing of it. Given my extensive history and good relationship I would have at least expected some sort of contact, even a letter, none of which I received. I believe in fact that Bank of America was looking for a way to get out of a low and fixed rate contract which they would never offer to other clients and made a " business decision '' to close it in violation of the contract ( and keeping me from knowing of the outstanding balance to ensure they had a " reason '' to close it ). They have denied me my reward points and use of a favorable credit card all for their own benefit. I believe the account should be reinstated with the same terms and conditions. Lost money listed is my estimate of the rewards points value. XXXX exact value.
Product: Credit card

I rented a car from XXXX and hold of XXXX was placed on my account on the XXXX of XXXX .I returned the vehicle on the XXXX forand tried to use my card as was denied because they say XXXX never released the hold but it's for a WHOLE DIFFERENT TRANSACTION that XXXX doesn't see and my bank doesn't magically see the transaction for the XXXX even though I have receipt proof and proof from the branch with an approval release hold code but it's for the XXXX they don't even have a purchase from the XXXX and then pncs doesn't see one for the XXXX but it was there when it initially went through now Noone knows where my money is or what has happened with my account I had a customer service rep tell me I needed to give my personal info to the representative at XXXX because they said he XXXX to call from the office and i couldn't be on the phone but then each representative asks XXXXme to get on the phone anyway he called through the credit card number and was hung up on and made to call back numerous time and explained there was no transaction for the XXXX now pnc doesn't knows where my money is or a transaction from the XXXX even though XXXX provided the release code.im XXXX and had to stand in the heat for over an hour trying to resolve this to no avail and had to pay a ride share for a ride home and miss work and no car. I want cfpb to investigate this transaction and the customer service I received from this situation which has been no help from representatives lying to them hanging up in me and the merchant face and I expect to be reimbursed for my traveling expenses and inconvenience thus is causing from being stranded in the heat with no clue of where my money is or where it went and until they can find what they did with my money i want a full investigation of where my money went to and what happened and I want accountability for my missing money and the lack of help to keep my money safe and accounted for
Product: Debt collection

Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ]. 

THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

i called chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant in the past Merchant : XXXX XXXX # XXXX XXXX in transaction date : XX/XX/2018 amount : {$2100.00} claim filed date : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXXXXXX XXXX XXXX, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than 5 points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, XXXX XXXX also stated if I payoff one of the items showing on my credit report, my credit score would increased by 21-25 points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and XXXX XXXX solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items XXXX XXXX suggested. Also, I've spoken with all agencies above but this issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and Information 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 XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.