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

XXXX And equifax have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. XXXX   and equifax HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXXXXX. The credit reporting agencies XXXX  and equifax both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. XXXX and Equifax have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX so I wasnt able to work so I was late on my payments I reported it to td Bank, XXXX they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act
Product: Credit reporting, credit repair services, 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 of privacy and confidentially under 15 USC 1681.

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. Code 1681s2 - ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX & XXXX XXXX
Product: Credit reporting

On XX/XX/2016 all of my inquiries were deleted. I logged in today and now they are back and my credit score has gone down
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit card or prepaid card

I applied for a secured card with Citi Bank on XX/XX/2022. 
The application was declined with guarantee of funds in the form of personal deposit. 
The credit has been displaced for 7 years without any significant change in scoring or evaluation with lenders. 
This has prevented me from having an emergency credit card for life necessities, etc. 
This has discriminated against me in first time home buyer programs by age discrimination, I know I should have been able to purchase a home in my XXXX 's like everyone else but they all filed bankruptcy and started again with a new car the next month and a new home the following two years. 
You can see all of my scars and stripes and that really isn't anything on my credit but student loans that requires decent income for payment of the education receieved ; The last fair or equal lending receieved was with XXXX bank for $ XXXX credit card/split in two for rewards my XXXX  year in college. A college kid caring more about sign up rewards instead of limit. Honestly, the value scale may have proved to be in my benefit because it would've have appeared worst. 
I'm tired of being discriminated against with everything!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done.. Remove XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I paid a company for the down payment on a car A XXXX  XXXX  and paid it with my cash app account. This happened on XX/XX/XXXX or XXXX. The user name that it was sent to was XXXX XXXX XXXX for a refund when I never got the car. This person refused to send back the {$300.00} and I contacted Cash App several times. They would not refund my money. They refused.
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 proce 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 XXXX ) financial loss, and I seek appropriate redress for these violations. Cashapp also closed my account for no reason and failed to give me information on why. I havent violated any of there terms at all.
Product: Payday loan, title loan, or personal loan

I received a loan with HCS, Health Credit Services through XXXX XXXX. On XX/XX/XXXX I paid the loan off before the promotional period by {$690.00}. I realized my mistake and called to get this resolved. I was told that the payment had to be validated and this could take up to 60days. I called back again and was told that the loan batched on XX/XX/19 and was sent to account to get a check cut to me. I called several times before and was told t hat I was given incorrect information. The funds had to be validated and then I would get a check which could take an additional 60 days. I have asked to speak with a manager, accountant and no one has returned a call or tried to resolve this issue. I called last week and was told the amount of my overpayment had been validated and a check would be mailed. I called again on yesterday XX/XX/19 and was told yes the funds have been validated but this transaction has to batch before a check can be mailed. This process is ridiculous and unfair to me as the borrower. There is no reason a company should hold anyone refund for over 90 days with no date as to when it will be returned.
Product: Checking or savings account

This started XXXX XXXX, 2024, when a hacker made a hostile takeover of my account. I called in to Direct Express & cancelled that card, ordered a new one. This game of ground hog day went on for over almost two months, after a cardholder advocate named XXXX worked with me, we were able to fight this thief, and I got my funds back, this was in late XXXX. I received a card and everything was going well, no issues until XXXX XX/XX/XXXX, when checking my account I find again someone had ordered a card. XXXX called and left a message, I haven't heard back, I left several messages. I called into Direct Express, and spoke with someone in fraud, cancelled that card, and received a new one on XXXX XX/XX/2024. Received card and activated it worked for one day. I called in found out that someone had tried to access my account by setting it up on the mobile app. ( FYI, XXXX the advocated had told me to delete the app and not use it, and I deleted it and NEVER reinstalled it. ) I then was accused of not being me, ( I have sent them my ID twice ), then I was told to go social security and have them verify me, social security doesn't do that, and then I was told that Social Security had locked my account, on a lengthy call with Social Security I was told they don't do that. Supervisor at XXXX XXXX told me that I could not access my funds or balance that my money would be sent back to Social Security and it could take 6 months to get it, and I would need to go to a different institution, again they are telling me that it came from Social Security. My ONLY income is my social security, I need my money or access to it so I can withdraw from the bank and go to another institution, which is fine, but I need my funds in order to do so. They refused to tell me whether the thief had withdrawn funds, and I can't get any help at all, I am in limbo with this group of shysters. My utilities can be turned off etc. Please help me to regain control over my funds so I can leave them. There are NOTES all over the account about fraud, and in fact I had my ID verified with them twice, the front line reps don't read or pay attention to the notes, and that is how customers with them become fraud victims. Please help me. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a loan that was approved with a loan modification during Covid. Upon completion I completed the terms and moved forward with my payments. The mortgage company is reporting remarks on my loan stating in a government modified loan which is derogatory reporting. My credit score is excellent however these remarks are inhabiting me from obtaining credit approvals from other creditors. If in the CARES ACT choosing a forbearance plan while in need during the pandemic wasnt suppose to count against you for credit reporting the mortgage company reporting is now negative? In my loan modification paperwork or during the process at no time before, during, or after was I told there would be negative remarks added to my credit report that will inhibit me from obtaining future credit. Prior to the pandemic I was never late on my payments, never missed a payment or required assistance until I lost my job during the pandemic. I have since got back on my feet, back to making payments and Im being penalized by this company for these biased remarks that a predatory and unfair. I contacted the mortgage company them seem unconcerned as they did me a favor but they have ruined my credit with this reporting. I would like to have the remarks removed from my credit reports I shouldnt be penalized for the life of this loan or be made to refinance my loan just to get rid of the arduous remarks that are listed
Product: Credit card

The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.
Product: Debt collection

This company continues to harass me and leave me threatening voicemails over a loan that was previously taken out with " XXXX XXXX. '' I have advised Synergetic Communications (  the debt collector in this case ) that I received a letter from the STATE OF FLORIDA that XXXX, XXXX D/B/A XXXX XXXX, is unlicensed in this State and I do not have to pay back the loan as it was illegal to be issued to me at all, which I was not made aware of prior to taking the loan. 

Furthermore, they have not only called me, they are starting to harass my friends. I received a voicemail from a close friend, who is currently serving  in the XXXX XXXX XXXX in XXXX, XXXX. He advised you called and left him a threatening voicemail as well. I have advised them this is an illegal loan and i will not be paying it back, but the calls continue. 

The amount originally taken was {$600.00}. I made three payments of {$140.00} before I received the letter from the state, at which point i disputed the previous payments with my bank ( who also sent me a letter that the dispute was valid and closed ) and received my money back. 

YOU ARE TO STOP CALLING ANY PARTY INVOLVED IN THIS MATTER. YOU MAY ONLY COMMUNICATE TO MYSELF IN WRITING. IF FURTHER CALLS CONTINUE, I WILL FILE A LEGITIMATE LAWSUIT FOR UNFAIR DEBT COLLECTION PRACTICES. 

THANK YOU, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over six years the lease is still showing late. Hyundai Finance has not corrected the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to XXXX  and Equifax about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX, XXXX/XXXX. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.
Product: Checking or savings account

I have 2 deposits that were to have been made to my account for {$930.00} and {$240.00} with Capital One bank this week. Both deposits have not been released for me to access. Both should have been available by XXXX XX/XX/XXXX The bank did not notify me of an issue until late Thursday XX/XX/XXXX night and I did not have time to stop any of my automatic payments or make arrangements with anyone to pay once it was sorted out because they waited so long to notify me. 

They have known about the issue for at least 2 days and has been very resistant about keeping anyone informed when those funds will be available.
Product: Checking or savings account

On XX/XX/XXXX I was notified of multiple fraudulent charges to my USAA debit card. Once notified of unauthorized transactions, I contacted USAA fraud department, requested to cancel debit card and recent transactions were not authorized. Initially funds were refunded. Unfortunately, XX/XX/XXXX I received documents stating : After a thorough investigation, we have determined that the listed transactions are not fraudulent. There was a total of XXXX fraudulent transactions totaling {$350.00}. USAA only refunded {$50.00}. On XX/XX/XXXX I requested review of investigation of transactions determined not fraudulent. Although there were multiple fraudulent transactions in the same store ( XXXX, XXXX XXXX  ) USAA determined that the transactions are not fraudulent. 

Based on transaction details provided in USAA processed in XXXX Mi : Merchant Name : XXXX # XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$100.00} Based on transaction details provided in USAA processed in XXXX Mi : Merchant Name : XXXX, XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$200.00} I am a resident of XXXX, Mi. The distance in the XXXX cities are approximately XXXX miles. I have no reason to frequent the areas above. Also, as I am full time employee in XXXX XXXX and working the entire day ( XXXX. ) I have provided documentation to confirm I worked that day and was not in the vicinity of XXXX. As one can imagine this is a total devastating feeling to have my identity stolen and money taken from me. I truly hoped this matter had been resolved. When notified XX/XX/XXXX that XXXX of the XXXX chargers were determined not fraudulent, I felt violated again. 

Based on information provided, I am requesting please remove this charge and credit me for any interest or fees associated with this charge.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name - XXXX XXXX XXXX Employer- XXXX XXXX  Incorrect Previous Address - XXXX XXXX XXXX XXXX, CO XXXX Incorrect Name - XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

My checking/saving accounts were constantly being charged fees, statements fees, low balance fees to the point I closed the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed Affirm Inc to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute Affirm has the address locked. 

I could not find this correct information because XXXX does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.
Product: Debt collection

i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX regarding the following incorrect information on my credit report. As of today, I have not received a response from them. 
Please correct the following inaccurate information on my credit report : XXXXL XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$170.00} ) - This account was never late. 
XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$53.00} ) - This account was never late. 
XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) - Please correct any inaccurate information on this account. 

Furthermore, I require that XXXX verifies the following accounts : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) - I am unsure of the accuracy of the balance reported for this account as I do not recall owing such a high amount. The account was closed and charged-off, and the past due amount should not be provided. Please mark this account as disputed and verify the Date Opened, Date of Status, and First Reported. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$2900.00} ) - The balance reported for this account is inaccurate, and the past due amount should not be provided as the account is closed and charged-off. Please mark this account as disputed and verify the Date Opened, Date of Status, and First Reported. 

COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ) - I have never had a contract with this company and have never been contacted by them. The balance reported is also higher than I believe it to be. I dispute this account and require a verification of Date Opened and Date of First Delinquency. 

COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ) - The balance reported for this account is also higher than I believe it to be. I dispute this account and require a verification of Date Opened and Date of First Delinquency.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a Vanilla Visa Gift Card from a XXXX store in XXXX, SC. I immediately purchased a pack of mints for {$4.00} ( approximately ) at the same XXXX so that I could create a PIN for the card. I bought it for my XXXX year old daughter to take to XXXX XXXX for a school field trip. I originally added {$130.00} to the card and so there was a little over {$120.00} left on it. My daughter had a friend that also bought one at the same store and within 2 hours the money was gone and she had not used it. I then checked our card and the money was still there. I didn't check the balance again until XX/XX/XXXX and there was only around {$.00} left on the card and we had never made another purchase. I called the company immediately and they told me where the charges were made ( somewhere online but I couldn't understand what the person was saying ). She then told me they would investigate and IF the charges were not ours we may get our money back in 90 days or so. My daughter was at XXXX with no money because we thought we were using a safe way to send money with her! They had horrible customer service and that same day another girl on the trip had that happen to the same Vanilla brand Visa gift card ( bought at a different store ). I have had several people now tell me this happened to them and they never got their money back. There are numerous complaints I have now found online about these gift cards. We just want them to make it right and return our money ASAP!