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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any TransUnion of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Corelogic Credco XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Corelogic Credco, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving this issue. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filling this information out myself, I have not been helped by anyone else. 

I received a collection notice from Coast Professional , Inc stating I owe a debt. I have never done business with this company. They have violated my rights as a consumer several times in this letter by stating I owe a debt, also using profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit card or prepaid card

After 10 years of paying my Chase Freedom credit card on time, with no problems that I know of, they cancelled the card, saying that there was " Not enough credit information available '', citing " XXXX '' ( the company that was hacked last year ) as the source of their information. The other two reporting agencies show me as " On Time '' and " OK ''. My credit score is in the low 800s, etc., nor did Chase ask me for more " credit information. '' Since this was the card I used the most, especially for recurring payments, this caused me a lot of trouble to clear up. I just want to caution people about Chase. I pay my credit card off each month, so they are not making much money from me. Is this the reason for cancelling my card?
Product: Checking or savings account

On XX/XX/2022 my car was broken into and my debit card, license and other materialistic things were stolen. The person who stole my debit card proceed to go to a XXXX XXXX located in XXXX XXXX, XXXX The transaction ran as credit and the purchased was authorized for XXXX dollars. I called my bank ( Wells Fargo ) and asked for it to be disputed and to get my money in return since I did not authorize this transaction. The bank opened a claim and closed the case and denied it twice. The bank told me since it was a debit card they cant help me. Although I had video surveillance of my car getting broken into and a police report, the bank still refused to give me my money back. They told me to go to the store they made the transaction at and the manager told me to go to my bank that they should be able to fix the problem. I called their customer service line and the same thing they said to go to my bank. I text the service line, once again Im told to go to my bank. Both parties are not helping me out when I have proof of everything
Product: Bank account or service

Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning, my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother, working part-time and my paycheck goes to paying my car note to get to/from work, daycare and other living expenses and this " debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money, when these accounts were opened CB should have, at that time, informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number, at the time of opening the accounts, they could have looked into whether I had accounts with them in the past and informed me accordingly. I feel as though they allowed me to open these accounts under false pretenses in order to be able to " debit '' my account for past monies due when it suited them. Please help me to get my money back. Thank you.
Product: Money transfer, virtual currency, or money service

I had to refile my complaint as i used my sisters account to file for my old complaint and paypal said they were unable to respond to it due to the name being a different name. 

XXXX Paypal supports scammers XXXX XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. XX/XX/XXXX ( Saturday ) I opened it to assemble it. I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. XX/XX/XXXX, paypal closed the case in XXXXXXXX XXXX  favor because I could not submit proof where XXXX said they would refund me, what i submitted was not good enough. I sent over photos of damaged item, houzz telling me to dispose of the item, was paypal thinking that XXXX just told me to dispose and get lost with no refund? 

Paypal you are aiding scammers. Shame on you.
Product: Credit reporting or other personal consumer reports

I spent over an hour navigating the dispute process on XXXX XXXX  website, only to encounter persistent consent errors. After finally resolving XXXX issue, I discovered that I could only dispute a single item at a time, with no option to address other issues for another XXXX  days. The process was inefficient and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

onXX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I attempted to withdraw cash from a prepaid card that I am given for donating XXXX. The month prior when I conducted these transactions at XXXX XXXX. They were not declined. I was able to obtain cash back for a XXXX fee, which is the agreement. Starting on the XX/XX/XXXX Citibank began systematically declining my transactions. On XX/XX/XXXX I called and spoke to a citibank rep who looked into it, she told me I did have the funds on the card, and that she would contact her " corporate.. ( ca n't remember the name ) but would find out why it was declining ... ( although she said she did n't see it decline ) she put me on hold. came back and said oh for some reason your card appears to have been deactivated? I said how, I have used it, it only declines when I want cash back in amounts less than XXXX ( had XXXX on the card attempted to buy a XXXXCent pack of gum and remove XXXX declined ) she said well its active now. So I went back into XXXX XXXX.. and attempted again. Declined. I called citi bank again. This rep tried to tell me to leave go to another store. ( because its not showing it decline ) I refused because they were not paying my gas. Then she tried to shift me to a supervisor. I said look i just want you to do your job and contact the corp. dept the last girl did to find out why its still declining. Long story short ... she gave me the run around said that its that location. So i left. drove to another location XXXX miles away! attempted to use the card to get cash back. declined. Called Spoke to a supervisor. Supervisor said well There is nothing I can do because we do n't show the transaction as being declined. I was able to get out XXXX in cash from XXXX on the citibank card. I was able to use my personal bank card and withdraw XXXX from XXXX XXXX.
SO the issue is not with the cash and XXXX XXXX. It i with Citibank declining the transaction because they dont ' want me to be able to withdraw the amount if it is not in a number convenient for them is the impression I am getting. Meaning, if i have XXXX on the card and want to withdraw it. They are declining it because its not XXXX. or XXXX. But I am allowed to with draw small denominations at XXXX XXXX. as I stated i did it just to prove that point with a XXXX cash back. Not to mention when I first started using this card in the middle ofXX/XX/XXXX I was able to get cash back, but once one billing cycle went thru, citi bank seen the transactions in small increments and is now declining but not being culpable by saying they do not see the transaction declining. They have subverted the system some how because it is a small transaction..but small transactions for millions of people, ends up being millions they pocket.. I think this is a way for citibank to hold onto my money until the balance is in a rounded figure ... gives them more days to collect interest. or thinking if most people give up trying to get out cash.. they can charge fees on multiple transactions being conducted on the card, because they wo n't allow the cash to come out.. and cash back is part of the agreement.
Product: Debt collection

I have been sending dispute letters to Experian Information them of the inaccurate information they are reporting. I have informed them of the incorrect personal information they was being reported. Now its a few accounts that needs to be removed. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXXXXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX
Product: Debt collection

Formal Complaint Against Collection Agencies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against this collection agency, IDEAL COLLECTION SERVICES, regarding their relentless and harassing behavior, including constant threats and incessant phone calls. It has come to my attention that this agency are erroneously claiming that I resided in different apartments simultaneously. 

I have been subjected to an overwhelming and unprofessional level of harassment, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). The incessant calls and threats have created undue stress and XXXX, impacting my daily life and overall well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter thoroughly. I am seeking the following resolutions : XXXX. Immediate cessation of all harassing communications from IDEAL COLLECTION SERVICES. 
XXXX. Elimination of the inaccurate information from my credit report, as it adversely affects my creditworthiness. 
XXXX. An official investigation into the questionable practices of the aforementioned collection agencies. 

Enclosed with this letter are supporting documents. I believe a swift and thorough investigation into these matters is crucial to rectify the inaccuracies and protect my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures fair and ethical treatment from these collection agencies. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express calling my place of employment XX/XX/year> at XXXX called XXXX XXXX XXXXXXXX XXXX . Place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have been a victim of identity theft. A XXXX XXXXXXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  XXXX XXXX inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and are due to identity theft : 1 ) XXXX  XXXX Bankruptcy Reference Number-XXXX  ( This Bankruptcy Belongs to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} Original Creditor ( XXXX XXXX XXXX ) Date opened XXXX Please Update ( Personal Information ) NAME to XXXX XXXX XXXX ( See attached Identification and attached Documents
Product: Mortgage

We refinanced our home on XX/XX/XXXX, Home Point Financial bought our loan. We paid extra money towards the principal in order to remove PMI from our mortgage payment and never had a late payment. Now that our LTV is below 80 % I made several calls and sent an email to remove the PMI. The last call was to customer service on XX/XX/XXXX I explained why I was calling and what should be done to the PMI on my loan, she put me on hold to do some research and came back to tell me that it should be removed because it's less than 78 % LTV but could not tell me why it hasn't been removed. She told me she would call me back the next day with an answer but no phone call. 
I come across CFPB hoping you can help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about having " XXXX '' removed from my credit report. The debt was paid and has been removed from the other two creditors. It has been seven years and now should be removed. They refuse to remove. I would like the item removed.
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. I have been using cash app since it began and not once was i helped when needed. My account has been vulnerable more than once.
Product: Debt collection

I had an auto loan with ally financial. I defaulted on the loan on and my last payment was XX/XX/XXXX. 

I took it upon myself and surrendered the vehicle over to the repossession company. 

Ally has reported to the credit bureau a false time line of my final payment being in XXXX of XXXX. 

This has now been effecting my credit for 7+ years, due to false information on my report, this has not fallen off. 

Not to mention the debt was charged off so Ally not only repossessed the car but also charged off the debt at no loss.
Product: Payday loan

Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.