23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On X/XX/17 I paid off my PNC Bank Visa card on the phone with a representative of the company. The amount was {$3900.00}. I double checked to see that this would be the final balance, no additional funds required. I was assured this was so. I called them the next day, X/XX/17, to be assured the account was closed, free and clear and was told I had a XXXX balance. Yesterday, X/X/17 I received a bill from them for {$38.00} in interest. I called them to question this. The billing date on the statement was X/XX/17. They told me that I owed interest to them. I talked to four different people, going up the supervisory ladder, to try to get the amount removed, knowing that if I refused to pay it would affect my credit. I was told by every person responding that they could do nothing.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE XXXX XXXX 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: Checking or savings account

An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app to take the 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} XXXX XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin   Senators office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX XXXX XXXX several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a SONOS speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include Experian and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my Experian FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Product: Credit reporting or other personal consumer reports

My Complaint is with all 3 Credit Bureaus TRANSUNION XXXX XXXX XXXX They all have me at a XXXX XXXX @ XXXX instead of the Standard XXXX XXXX XXXX. 

I PAY ALL MY BILLS MY HOME XXXX CARS XXXX BILLS XXXX CREDIT CARDS ARE ALL PAID XXXX PAID FOR YEARS ON END YET THEY LOWBALL XXXX BLACKBALL ME @ XXXX INSTEAD OF THE STANDARD XXXX. 

What these Credit Bureaus are doing to me is Wreckless Illegal n Extremely Discrimintory. I'm XXXX XXXX XXXX not XXXX. 

Any Help I can get to Resolve this in good faith is Greatly Appreciate. 

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

I review my report and I saw inaccurate 30 days late remarks on history only 1 bureau reporting this. I was never late on this account. 
SELFINC/XXXX  XX/XX/2019 2019
Product: Debt collection

Harris & Harris is attempting to collect a debt from me which I did not initiate. I believe my data was breeched and I have been a victim of fraud. 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. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. I should be protect according to the the Privacy Act of 1974. Please remove this collection from my credit report as it is preventing me from acquiring credit and a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Product: Credit reporting

The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit bureau on countless occasions this year regarding a XXXX XXXX account that does not belong to me. I have requested they block and delete the information from my report according to the FCRA 605B ( 15 U.S.C. & 1681 C-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The credit bureau has yet to verify the account and have yet to remove it from my credit profile despite my several disputes, that included proper identity verification, and a formal complaint I filed with Federal Trade commission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Kohl 's allowed for a credit card/charge account to be opened in my name and under my social security number. When I contacted Kohl 's they refused to help me and told me that I should pay the bill. I told them that not only did I not open the account that the charges that they were trying to get me to pay were fraudulent. I did not open this account, I did not authorize this account to be opened in my name. This is a fraudulent matter and Kohl 's has started sending me threatening letters, and calling my phone constantly trying to get me to pay for a balance that was charged on the account that they allowed to be opened fraudulently and each time I try to relay this information to them they refuse to assist me. They are now violating my rights by reporting this fraudulent account against my credit bureaus, and they are trying to collect money from me by using abusive tactics for a debt they have been told was fraudulent. The following account was opened in my name fraudulently : Account XXXX This is fraud and should have never been opened.
Product: Checking or savings account

On XX/XX/2018 I was charged {$230.00} from my personal checking account. This charge was not authorized and is a duplicate of a legitimate charge of {$230.00} on XX/XX/2018. I contacted Coinbase to request my money be refunded wherein they said it would take up to 10 days to be refunded by my bank. No refund appeared in my account and the erroneous charge was not wiped out. I contacted my bank who said this is an issue between me and the merchant. Over a month later and the {$230.00} is still missing from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax, XXXX ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All XXXX credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ). 

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX  with Account Number XXXX - This account was deleted from XXXX and Equifax is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) Equifax was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Equifax is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from Equifax and XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by Equifax that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. Equifax is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.
Product: Credit card or prepaid card

In XX/XX/2020 our team spoke to American Express personnel members on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX and XXXX to request and confirm Covid 19 economic injury assistance and account forbearance. Our Company ( s ) are 95 % reliant on the hospitality industry sector for our customer bases and we explained this to American Express on multiple dates. They first proclaimed that we were not eligible for assistance in XXXX. Then during later calls in XXXX we were lucky enough to speak with one of their employees that did confirm our prior calls, requests and he confirmed that we were a part of the Covid 19 economic injury protection plan at American Express. We have had this American Express Account for over 24 years and this is the first request for assistance that we have made. The later calls to American Express on XX/XX/2020 came with revelations that American Express employees claimed we were not a part of their protection plan for Covid 19. They claimed we had spoken to the " wrong department '' and that they had only " one month '' of assistance. At no time during our conversations did any American Express Employee explain a duration of help, nor would they readily admit that they even had a program for assistance, unless we asked to be transferred around their personnel members in some cases for two ( 2 ) hours on the calls. We do need help and we CAN NOT pay the American Express account now, or for the foreseeable future during the summer months.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, XXXX and Equifax has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent an affidavit of truth stating that Experian violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were indeed verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I wrote a XXXX XXXX check to pay for a purchase. The amount was {$67.00}. The check was rejected with a printout from " Telecheck '' on the back. I had more than {$1500.00} in my account. I contacted the bank, and they said I needed to call Telecheck. When I called them, they stated I had a bounced check. Upon further asking, they stated that it was a " XXXX '' XXXX a local XXXX Texas bank ) check. I had a XXXX account that I closed out on XX/XX/XXXX. I had a checkbook lost or stolen about that time. 
Telecheck said that the check was written XX/XX/XXXX for the amount of {$190.00} to XXXX. They directed me to call XXXX. I did call, and I was informed that they did not have any record of a returned check after I had closed the account, and that the account was clear when closed. They instructed me to speak to a supervisor at Telecheck. I called back and did speak with someone who stated that the complaint or claim against me was by a company called XXXX. I asked why and how XXXX could essentially freeze my account ( unable to write checks XXXX because of a check written over 3 years ago. Also that I had not written any check just prior and especially after closing that account. I also said that XXXX never sent any correspondence or called me about this. 
The Telecheck supervisor stated they would turn it over to " claim investigation '', but they requested I fax them a letter from my old bank, XXXX XXXX Texas XXXX stating that the account had been closed and the date. They also requested a copy of my Drivers license, and a cover sheet with my name, address and phone number, with the case number on each sheet. I did fax the information to them and their investigation department. 
I know that checks to XXXX are processed immediately, and they do not ask for identification. If funds are insufficient, the checks are rejected. 
XXXX Texas told me that if a check had come in after the account was closed, they would have contacted me. 
I did not attempt to contact XXXX because of some questionable information I had seen when I looked them up on the internet. They have many complaints against them and reports of false claims they have made. 
I want to see any proof of an overdraft and returned check. Also I want to know where this check was written ( city or store ) and if there is a signature. I again state I did not write any check after the account was closed, especially over 2 months after it was closed. 
Unfortunately, I have a very common name and am alos wondering if this is a case of mistaken identity from Telecheck.
Product: Checking or savings account

On XX/XX/2024 I sent {$500.00} via XXXX to my niece, XXXX XXXX, to help with the funeral of my nephew. The last digit was incorrectly entered and it was verified that the {$500.00} had inadvertently gone into an account that matched the number that I had entered by mistake. The number that I entered was XXXX and it should have been XXXX and it went into XXXX instead of XXXX. When I tried over and over to get the money reimbursed to my account, Wells Fargo Bank said there was nothing they could do, even though it was documented that the money went into the wrong account by mistake. I filed a claim with Wells Fargo to try to get my money back but no one would follow through to help me get reimbursed. I would appreciate it very much if you would get my money refunded to my account. The claim number that Wells Fargo gave me is XXXX. Thank you very much for your help in resolving this. I am an XXXXXXXX XXXX citizen on a fixed income and {$500.00} is a lot of money for me to lose. Again, thank you for your help.
Product: Student loan

A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with TransUnion and their credit freeze service. I initially added a credit freeze to my report but at a later date decided to remove the freeze. I logged into their site and initiated the removal of the freeze from my account. My PIN was accepted and the freeze was supposed to have been removed. With the next application for credit, I was informed that my TransUnion information could not be pulled as there was a freeze on the account.

I attempted to perform the removal steps over the phone but my attempt was rejected as my social was identified as not have a freeze in place. Again, I asked the financial institution to try and again they reported the freeze was in place.

I have now contacted TransUnion by phone twice to try and have the issue resolved. Each time a story of a synchronization issue was created and I was told that they would request a " resync '' of the account to correct the problem. Each time the result was that the account still appears as frozen with no real path forward.
Product: Debt collection

I had credit card fraud in XXXX. This about the time I received daily calls from XXXX XXXX XXXX XXXX. I also received a call from XXXX XXXX XXXX out of Texas. I returned call twice to ext. no. and left message with no response. I then called hunter and explained that I did not do this purchase. The rep. said it was shipped to XXXX. I live in XXXX. The calls stopped until wed. XX/XX/XXXX. Now I have received 5 calls since. 
Now Hunter sent a bill XXXX XX/XX/XXXX for {$100.00} with interest. I have never heard of this co.. I did not open account or authorize it.