23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  at XXXX XXXX  I received a ATM withdrawal notification of {$120.00} and immediately contacted the cash app customer services to let them know that that ATM withdrawal was not done by me. Then they continued to tell me to file a dispute, which I then theyre filed a dispute, and after a couple of hours I believe the dispute was denied because the reason why was they said that the charge was done by me they believe it was done by Me Which I then filed another dispute and added attachments to that with screenshots of the same day, same exact time zone, same like within a couple of minutes of proof of where my location was that comparing to where they said the location of the ATM withdrawal was done. They then looked at my second dispute and still denied it even with proof that it wasnt me who withdrew the {$120.00}, this wouldnt be the first time that Ive had problems with them returning money that wasnt done or taken out by me and after trying multiple times to talk to them I eventually had no other choice but to give up because they just wouldnt have good customer service. It was always of a to be conversation with them and always the bare minimum.
Product: Credit reporting or other personal consumer reports

This is my second request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've conducted or approved in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$2000.00} ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees.

Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card. 

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back. 

On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back. 

On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter. 

The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT. 

This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference. 

The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX. 

This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).
Product: Credit card or prepaid card

I have been trying to get this resolution with Klarna for over a month and they keep telling me that they are going to get it fixed and all I am getting is the run around. I have kept my account in good standing and I have never had a problem using my card until XX/XX/2021 and since then they will only tell me the same thing and not fix this issue. They say the system wants to verify my identity but they will not give me an option to provide the information.
Product: Payday loan, title loan, or personal loan

Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BARCLAYS BANK CREDIT INQUIRY ON MY XXXX CREDIT REPORT I NEVER GANE THEM AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went to XXXX XXXX XXXX XXXX for the reason to purchase a vehicle. The funds being used were from a certified check verified via telephone by XXXX XXXX, XXXX XXXX for XXXX as I sat at his desk. Once the funds were verified, XXXX XXXX who I was told doesnt work there anymore, began printing out the paperwork to transfer the vehicle into my name and any other paperwork needed for the transfer of my vehicle. Before signing any of the paperwork, I ask XXXX XXXX if they would be running my credit because one of the papers that was placed in front of me looked like a credit application. I asked to make sure that this was a cash purchase and informed XXXX XXXX that I did not want my credit ran, being that being that I was in the process of building credit and shouldnt have my credit ran on what was equal to a cash transaction. XXXX XXXX assured me that there was no need to run my credit because as I heard when he called to verify the fund, that the funds are indeed verified via the earlier call. With that reassurance I signed all the paperwork XXXX XXXX placed in front of me and drove home an hour later in my XXXX XXXX XXXX. 

XXXX I call up to XXXX  XXXX to inquire as to why I still have not received the license plates or title to my vehicle. While on hold I see the consumer credit contract or retail installment sales contract that shows that I financed the vehicle and made one payment for the total amount of the vehicle. I inquire with XXXX the new Finance Manager, as to why they would document a cash transaction as if I financed the vehicle. XXXX informed me ( 7 months after purchasing the vehicle ) that they indeed did run my credit and the reason that the company does that is in case the funds from the check were not available. Again XXXX XXXX called and verified the funds right in front of me so I immediately pointed that out and addressed the violations including identity theft with him before ending the call. XXXX did not have my permission to run my credit at all. XXXX should not have falsely recorded what is equivalent to a cash purchase as a retail installment loan when there was never a loan that XXXX XXXX provided me. 

There was no reason for them to run my credit. There was no reason to open a retail financing contract when the vehicle was paid in full with a verified check. If they did have a company policy to the contrary that was not disclosed to me and should have been as soon as i told the finance manager that i did not want my credit ran. 

I am rescinding any signature that gave this fraud validity due to the fact that full disclosure was not present even when the opportunity arose to present it was addressed by me demanding that they not run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXX | XX/XX/2022 XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022 XXXX XXXX XXXX | XX/XX/2022 XXXX | XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  | XXXX/XXXX/2022 XXXX  | XX/XX/2022 XXXX | XXXX/XXXX/2022XXXX
Product: Credit reporting or other personal consumer reports

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX WXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all trans union does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO TRANSUNION WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER
Product: Debt collection

I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting

Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I have paid off long ago and still show late payments, and past due, etc.
Product: Credit card

XXXX XXXX is a fraudulent account and was never opened by me. company has been contacted and closed the account and was told to dispute with equifax and only thing done was updated payments
Product: Debt collection

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} XXXX  XXXX  XX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} UPSTART NETWORK XX/XX/XXXX {$10000.00}
Product: Checking or savings account

My Chime checking account was charged {$17.00} via my debit card from merchant XXXX I was attempting to cancel a free trial on XXXX 's website, and somehow in the process my card was charged without my consent. I immediately requested a refund, which XXXX denied. I then immediately reached out to Chime to report the fraud. The agent who I spoke with was very rude and unhelpful. When I asked for a supervisor, the agent hung up on me.
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. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
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.
Product: Money transfer, virtual currency, or money service

ON XX/XX/year> I made a balance transfer from a Citi credit card to a XXXX XXXX XXXXXXXX credit card. The credit card number I gave to XXXX XXXX XXXXXXXX for the transfer was entered incorrectly. Citi accepted the funds and are now refusing to return the funds.
Product: Checking or savings account

I had XXXX under my account including unauthorized ATM use. 

Wells Fargo declined my claim. They reverse all provisional credit and now my balance is negative.
Product: Vehicle loan or lease

I requested an update to my due date on months moving forward that was 13 days from my current due date. I was previously told that I could update my due date to within 15 days of the current due date 1 time per loan period, as long as I made at least 1 payment. I have made 5 payments now and this is the only request I made. A representative named, XXXX XXXX, stated I was unable to change my due date to any dates besides XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I advised I could make this months payment but these dates would not work moving forward. I needed to update to the XXXX moving forward as I was previously advised would be possible. The rep refused to acknowledge that I was looking to modify future dates and just stated it was not possible. I requested a supervisor and the rep left me in chat for 24 minutes without a response and when I stated I was making a complaint with consumerfinance.gov finally started typing. This employee should not be allowed to interact with individuals important financial information.The employee refused to get a supervisor the entire chat conversation.
Product: Mortgage

We recently refinanced our mortgage loan to remove the need for monthly mortgage insurance. During the escrow period, we received XXXX a Good Faith Estimate and a HUDXXXX settlement statement of all closing costs ( neither of which mentioned anything about an XXXX certificate needed with a cost of {$70.00} XXXX. We also never received any communication from our Lender explaining to us about this cost which could also have been paid for outside of escrow. 

After escrow closed, we received a prompt payment check for the balance of funds to be paid to us as a result of the cash out refinancing. It matched the amount from the HUDXXXX settlement statement. 

About XXXX weeks later, we received a surprise late notice of payment from our XXXX for the amount of {$70.00}. I called them to find out what this was about, and I knew it could n't relate to our XXXX dues ; since we have an automatic debit from checking set up to pay for that. They explained that they received the request from a Lender for an XXXX cert and sent me an email with a copy of all the paperwork that was faxed back and forth attached, and that they never received any payment to apply to our XXXX account. 

I then contacted our Lender and left a voicemail with our loan rep 's supervisor ; since neither one could be reached live on the phone. I also forwarded the email from my XXXX with the attached fax documents to them. After being told it would be forwarded to a manager for review, I have not heard anything back for XXXX weeks. 

I feel that this will not be resolved unless your agency gets involved to get an action response from the Lender.