23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.
Product: Debt collection

Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX  school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.
Product: Checking or savings account

On Wednesday XX/XX/year> my direct deposit was not in the bank. It's always there Wednesday night. Well Thursday XX/XX/year> still no deposit. I call the bank and waited and waited and was told that they didn't see a deposit. I called my employer and they verified they made the deposit. Well nothing all day Thursday and again today, Friday XX/XX/year> still no deposit and now they won't even answer the phones and give an explanation, just a generic message on the app of technical difficulties. I live paycheck to paycheck and this is disgusting and appalling. I need something done about this. I have checks out in my name and bills that are coming through and being returned. My direct deposit is almost {$1000.00}.
Product: Debt collection

I had a bill through XXXX XXXX XXXX XXXX in XXXX, Texas. I called them on XX/XX/XXXX regarding this matter. The original amount was covered by insurance.There was a patient responsibility amount for {$40.00} which was also paid. XXXX realized their error and my insurance, XXXX XXXX XXXX issued a check # XXXX on XXXX, XXXX, XXXX to bring the account to a {$0.00} balance, paid in full. I received a letter from XXXX XXXX XXXX on or around XX/XX/XXXX. I notified Paramount Recovery Systems collection company ( a XXXX XXXX ) on XX/XX/XXXX that the debt was paid on XXXX, XXXX, XXXX, prior to any collection attempts or credit reporting and also provided the check number. I called XXXX, again, and they have informed that I have a {$0.00} balance on all accounts, new and old, in their system. The account number that they gave me is completely different than the account number Paramount has listed. Paramount Recovery refuses to update their records to show paid and have placed a collection amount of {$640.00} on my credit report. I've called them numerous times stating that the information that they are reporting is inaccurate. They refuse to update and therefore I am requesting that they remove this item from all 3 credit bureau reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX : Bankruptcy Reference Number XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX ; {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX XXXX XXXX   NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX ( was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit card or prepaid card

While reviewing my monthly billing statement from Fortiva I found a charge on my card from an XXXX company in California which wiped out my remaining account balance. I went online to Fortiva 's website and got an online cus svc rep to answer my inquiry which proceeded to tell me to call on XXXX  and report the issue to a Cus Svc Rep. I called on XXXX XX/XX/2019 and spoke with a rep named XXXX. He reviewed my account and told me he would send me a new card and paperwork to fill out to have the fraudulent charge researched. I got the new card but never received paperwork for the fraud issue, so I called them again and asked to speak with a supervisor so I could get this resolved. The supervisor 's name was XXXX and she gave me the runaround telling me that it takes XXXX business days to receive paperwork. I told her I got a new card already why not the paperwork. She couldn't answer my questions and transferred me back to the person I spoke with on XX/XX/XXXX. Explained again what was the problem and I asked if he could email me the form so I could get this issue resolved. I received the form and send back all the information they requested along with a copy of my Drivers License and a copy of the credit card and asked for confirmation that the information was received and I have not received anything from them yet. They were more concerned that I activate the new card which I have not done so because I am not using a card which has no funds on it. Also they told me it will take up to 90 days to resolve this issue. I have always paid on time and always more than the minimum amount. The card was used at local stores near my home and I am not a traveler either. I can not believe the customer service and the delay tactics a customer has to do to resolve these sort of issues.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint due to significant discrepancies in my credit reports, which I believe represent clear violations by the credit reporting agencies, XXXX XXXX XXXX XXXX, the XXXX credit card companies listed on my report, and Early Warning Services. These errors have adversely affected my creditworthiness and have caused me considerable financial distress.

Additionally, I am opting out of all authorizations. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I hereby rescind any authorizationswhether written, unwritten, verbal, or non-verbalthat I may have granted, pursuant to 15 U.S.C. 6802. This rescission is effective immediately and indefinitely. 
1. Violations by Credit Reporting Agencies : The credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX, have violated the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : These agencies have reported non-public personal information without my written consent, in violation of 15 U.S.C. 6802. 
They have allowed XXXX XXXX and XXXX XXXX XXXX  to display my transaction history, which is illegal under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( Exclusions ). This also violates the permissible purposes of consumer reports as defined by 15 U.S.C. 1681b, as well as the privacy protections under 15 U.S.C. 6802-6805, 16 CFR 313, and 16 CFR 433.2. 
XXXX. Violations bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have unlawfully reported my transaction history, violating 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This action also contravenes the Privacy Act of 1974 and the aforementioned statutes. I did not grant either institution permission to report my transaction history. Therefore, I request that the status of my accounts be updated to Paid as Agreed for both accounts as a remedy to this issue. 
XXXX. Violations by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX has violated the Privacy Act of 1974 and the terms and conditions agreed upon at the time of my account opening. Specifically, XXXX XXXX has breached the terms that restrict the sharing of personal information, including provisions for opting out and distinguishing between affiliates and non-affiliates. These actions violate 15 U.S.C. 6802, and also extend to violations of 15 U.S.C. 6803, 6804, and 6508. 
XXXX. Violations by Early Warning Services : It is my understanding that Early Warning Services has obtained my banking transaction history from various banks over the years, possibly since I reached the age of majority. I did not grant consent for Early Warning Services to acquire, utilize, or report my information to other financial institutions. I am therefore requesting that Early Warning Services provide me with a complete record of my banking transaction history as soon as possible, as they have only provided records from the past several years. These records will serve as proof of my claim. Additionally, I intend to seek compensation for every transaction they have on file. As stated above, I am opting out of all authorizations.
Product: Checking or savings account

My daughter had a campus checking account for when she was under the age of XXXX. She was involved in a scam which tied to my account. I was never aware of the situation to put a stop to it. They say that they sent messages to my daughter, which she never received. I contacted the bank no resolve. Ive had the account over XXXX years in great standing I tried to buy a house from them was denied prior and they remove my savings and set my paycheck which caused a very hard hard hardship for me and Im still being affected by it to this date my daughter had text messages being threatened by the person who was scamming her like to cause her bodily harm and death with receiving monies in cash app sent it back to the person so when she told them, no, she didnt wan na do it anymore in days when threatened her life I took this information over to Navy federal credit union and I was told there was nothing they could do
Product: Checking or savings account

There's an erroneous debit on my checking account. I tried calling to discuss this but USAA 's automated system isn't operational and doesn't recognize anything other than very simple requests. I then tried the chat system. THe banking people forwarded me to their insurance division since it was supposedly an insurance charge. They spent time verifying it wasn't an insurance charge and sent me back to banking. Went through this again and then they said I had to call in to dispute this. But their phone system won't let me through. So no way to resolve and already wasted an hour and cant get through to them
Product: Debt collection

The Moore Law Group was notified and documentation was provided on XX/XX/year> That a settlement had been reached with XXXX and XXXX XXXX on a disputed fraudulent account. The same day the documentation was provided to The Moore Law Group. The Moore Law Group proceeded to file at XXXX XXXX XXXX. 

We are also in the process of filing against the Moore Law Group and XXXX XXXX with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DID RECEIVE A RESPONSE HOWEVER, IT DID NOT FIX THE EXISTING PROBLEM. I WOULDN'T BACK DOWN REGARDING MY DISPUTES TO SHOW ALL OF THE INACCURACIES AND DECEPTIVE PRACTICES OF THESE CREDIT REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed some inaccurate posted on my consumer report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

BBVA Compass b ank has n't sent my transaction update for the  XXXX  and  XXXX  to a third party app I use on my mobile device. I called th em n  seems as if there 's nothing I can do but sit here and wait for the unknown. It 's be en two weeks th ey have n't sent out my bank info in times of need.
Product: Credit reporting or other personal consumer reports

Company Legal Office & Internal Applications Online Review Department denied and lied about my Identity not matching my address and denied me access to upload supporting documents on their website instead said that they were experiencing online maintenance & had me fax my SSN & ID card which supported evidence of address & social security number they pulled 2 credit reports of which I ask them not to without my permission & lied and said that my application did not match. I requested a legal copy of my application & demanded that if my application did not match they legally had to delete all their Inquiries under FCRA law. I spoke with Discover  XXXX XXXX representative XXXX at XXXX XXXX & explained that any fabrication on their monitored calls to ignored valid identity verification & deny me credit would me under investigation & reported to CFPB immediately. Inquiries are demand to Be removed today & access to the wwwdiscover.com/XXXX will be reported to IC3 internet authorities as all call were monitored for quality assurance.
Product: Debt collection

Transworld System Inc is reporting a debt from XXXX XXXX with a date of first delinquincy of XX/XX/2020. I have not even lived in NY for atleast 6 months prior to that. They are reporting this inaccurately and do not have the actual date of delinquincy. This should be removed from my credit reports since they are unable to provide accurate information regarding the date of first delinquincy.
Product: Credit card or prepaid card

I purchased a health insurance policy XXXX from XXXX XXXX XXXX via visitor coverage online marketplace amounting {$1200.00} which was charges on my Bank of America credit card. I disputed this charge with both merchant and Bank after the merchant failed to provide the service I purchased the policy for - This caused severe medical implications for my parent and had to cancel their trip causing further financial and XXXX losses. Merchant agree to refund the amount but didnt do so and now my bank of america has reverted the charge on my account after initially giving credit for the disputed amount. I tried to establish contact several times but despite no one is helping to revert/refund back the amount. Need help to escalate and settle this and stop suffering from such a pain and inconvenience. Thanks!
Product: Debt collection

I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 reporting under the Electronic Fraud Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience financial loss and I seek appropriate redress for these violations.
Product: Bank account or service

On Saturday, XXXX XXXX 2016, I ( a business ) opened an account and deposited cash and a cashier 's check ( {$300.00} in cash and {$2000.00} in check ). I asked the Wells Fargo representative ( XXXX XXXX ) that was helping me when the funds would be deposited. She told me they would be in the account by Wednesday, XXXX XXXX 2016. When Wednesday came, I checked the account only to find out that that there was a hold on my cashier 's check. {$200.00} were available on the XXXX ; however, the remainder would be available on the XXXX. I called the XXXX number and informed them ( I do not have that representative 's name ) of Regulation CC. She told me that I needed to talk to a branch manager and that she nor her supervisor could remove the hold. I went into the branch on XXXX XXXX 2016, and informed XXXX XXXX of this issue. She called the " back office '' and they stated that the remaining {$18000.00} would remain on hold until XXXX XXXX because my account was just recently opened. I shared with XXXX that this was against the law and she told me that this was not her job and there was nothing else she could do. She then forwarded me to her manager. When her manager ( XXXX XXXX ) came, XXXX told me that she could not remove the hold because back office sees things that she ca n't see. I informed her that I would be filing a complaint with the CFPB and the FDIC and she responded okay. She gave me a complaint phone number and also placed a ticket and escalated it. She told me that they would get back to me on Monday, XXXX XXXX. She also told me that Wells Fargo has the right to hold any check for as long as they see fit. I asked her if that included Cashier 's Checks that had been expressely defined as next-day available items in Reg CC. She responded " any check. '' When I left the branch, I called the complaint phone number. The gentleman on the phone also told me that any check can be placed on hold for 7 business days. I asked him if he also knew that this was against federal regulation. He responded that he had to go by Wells Fargo policy.
Product: Debt collection

Company sent live loan check by mail.and it was deposited by a family member into their account.
Product: Credit card or prepaid card

Dear Madam or SIr, I did not ask US BANK credit card. I never had any account or business with US Bank I did not receive any credit card in my address XXXX XXXX XXXX XXXX MA XXXX I have been charged in my bank account at XXXX XXXX XXXX in $ {$36.00} for 3 months I asked my manager to block it I have been trying to talk with US BANK, but I am XXXX XXXX XXXX, and I am in XXXX due to pandemia I can not go now to the US I need to know who is using my identity and asking a credit card in my name and XXXX XXXX XXXX is charging me - ID XXXX My email is XXXX Att XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit adjusters put a bill on my credit reports that is completely incorrect. They say on the credit report the bill is from XXXX but the bill they sent me was dated XX/XX/XXXX which is past the statute of limitations for collections. I contacted them and asked for the copy of the bill and what they sent me was a typed page with bill details from a XXXX XXXX whom I do not know. Also they sent the bill to me under XXXX XXXX and I have not been XXXX XXXX for 15 years. They have crossed the line on many levels here and my concern is they can just post anything to anyone 's credit report