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

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} DXXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Checking or savings account

I recently disputed an unrecognized and unauthorized debit of XX/XX/2022 in the amount of {$17.00} in my Venmo account and received credit accordingly. However, despite my replacing the account debit card, changing the account password, and reviewing all recent transactions, Venmo froze my account and I has not reinstated it despite my numerous requests. As I have recently provided my Venmo information on customer correspondence and invoicing, I suspect some customers have remitted payment by Venmo, sone of which would be significant, e.gover $ XXXX. Consequently Venmo may be taking time to verify these payments but should certainly reflect them online, rather than eliminate them from reporting altogether as they are doing today. Almost seems like they may be attempting to keep the money off themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.
Product: Student loan

I have uploaded numerous documents on the companies page in the manner they recommend to get approved for forbearance or other repayments. To no response from the company or no indication that the documents were received. Contact the company to verify and no response. Payment was also much higher than was initially estimated.
Product: Checking or savings account

Over the last 6 months I have repeatedly asked Wells Fargo to turn off overdraft services on my account and every time I have they have ignored the request. These fees have started to become such a burden that it keeps making it so that by my payday I am certain to be back in the negative because of these fees that I have done everything that I can to avoid.
Product: Credit reporting

In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account number : XXXX and XXXX Account number : XXXX were properly investigated and being verified as accurate but how is that possible when Ive already stated and showed proof these accounts have been taking to court with the judge ruling in my favor. It was brought to my attention that this debt was open in the state of Georgia in XXXX. I do not live in the state of Georgia. I do not have no knowledge of this debt that does not belong to me. I will be providing proof and I will also have, the documents attached with the judge signature stating that this case was dismissed in my favor. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency XXXX Experian and XXXX block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with XXXX XXXX XXXX from XXXX XXXX XXXX Bank of America within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with Bank of America. Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!!

Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX XXXX!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, XXXX XXXX XXXX as well as Bank of America. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!!

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS!

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, XXXX, and Experian ) checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, XXXX, and Experian ) checked my experian credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint labeled XXXX, XXXX, and Experian )
Product: Credit card

Request for Account Limitation Review and Resolution - Ref ID : XXXX Dear PayPal Support, I am writing to seek clarification and assistance regarding the recent limitations placed on my PayPal account ( Reference ID : XXXX ). 

Before my account was limited, I added a credit card to my PayPal account. As part of the verification process, PayPal charged a small amount to my credit card to send me a 4-digit code for confirmation. I was informed that this code would be available within 3 days. However, shortly after this process began, I received a notification that my account had been limited. 

This limitation is preventing me from completing the verification process and is significantly impacting my ability to conduct personal and professional transactions, including processing a necessary refund for a client. The transaction details are as follows : - **Transaction Date : ** XX/XX/year> - **Ticket Number : ** XXXX - **Recipient Email : ** XXXX I kindly request the following actions : 1. A detailed explanation of the reasons for the limitation placed on my account.

2. Guidance on how to complete the credit card verification process and confirm my account. 
3. Steps I need to take to resolve the limitation and have my account reinstated.

4. Assistance in processing the pending refund to ensure my client can be reimbursed without further delay. 

Please let me know if there are any additional documents or information required from my end to facilitate this process. I am committed to resolving any issues promptly and complying with PayPals policies. 

Thank you for your prompt attention to this matter. I appreciate your assistance and look forward to resolving this issue as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Bloch ; Inc. We to equa ustomer 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 a Was unfair and deceptive, as they did nor KY 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: Debt collection

This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a XXXX XXXX XXXX my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX on Equifax also not my address remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX transitioned my XXXX credit card to XXXX XXXX  and due to a mistake on their end there was a delay in carrying over the in place monthly automatic payments. This account was never and has never been late. I have kept a 100 % payment history and have, through much work and too many hours, gotten both XXXX and XXXX to remedy the situation but am having difficulty with getting Experian to correct the issue. Please advise on what next to do because I have been working on this for far too long and am at the end of my rope.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a direct express card which my SSI money goes on every month. I was a victim of identity theft today and Direct express mastercard is giving me nothing but the runaround. I had XXXX left on my card and now it is a XXXX balance. There were XXXX charges on my account for a total of XXXX which left me with a XXXX balance. I now have nothing to live on and am without any means of income. Direct express is telling me I have to wait 5 days to see if the charges went through and than file a dispute. This is ridiculous. I can not wait all this time to get my money I need to live on. Direct Express reps just give me the runaround telling me I have to wait. I have mental illness and I do n't want to endu p in the psych ward over this. Nobody is willing to help me. I filed a police report and Direct Express is giving me nothing but the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit score on Experian dropped 81 points. The only changes were an inquiry for a refinance of my mortgage, and a lease for a new car after my car was a total loss in an accident. I spoke with several representatives at Experian who agree that nothing in my credit report has changed significantly, but they can not find out specifically why my credit score dropped by a huge amount. I would like to know the specific reasons and they won't inform me of anything. 

Incidentally, XXXX  and XXXX  have not lowered my scores at all. This tells me something is wrong at Experian.
Product: Debt collection

Citizen 's Bank Mortgage ( XXXX ) XXXX incessantly calls my phone numbers starting on the XXXX of every month if the mortgage has n't been paid by that time. Today, XX/XX/XXXX, I spoke with a representative in the morning because I called in to ask why my mortgage payment went up ; I had to ask numerous times to be transferred to someone who could explain the increase before actually being connected with that department because the representative was incessantly trying to pin me down to a date when I would make my payment. When I told him I needed to check my checking account before providing a payment date, he angrily responded, " Well, sir, the phone calls are going to continue then! '' Sure enough, by the end of today, I have by now received a minimum total of 6 phone calls between my cell and home phone from XXXX ( and possibly more ). The messages they leave are 1.25 minutes long and do n't include any talking voices, just dead air space, until the last 15 seconds. When I called later in the evening to inquire about the harassment, another representative was equally as rude as the representative I was forced to speak with earlier in the morning. She was talking over me when I was trying to speak several times, was argumentative, and explained that they could call " 4 times for each phone number '' that they had on file for me. In the end, she hung up on me. It is clear to any reasonable person, based on the conversations today and based on the number of calls I typically receive each day whenever I 'm late on my mortgage, that the phone calls are designed to harass. Clearly, the purpose of the frequent calls is above and beyond pure communication with the customer ( me ) ; they are designed to be harassing and annoying. For this, Citizen 's Bank needs to get an earful from the authorities, and they need to apologize to me. I would also like for them to modify this abusive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. I HAD NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY UPDATED MY REPORT, I'M SHOCKED AND IN DISTRESSED BECAUSE THOSE ACCOUNTS ARE AFFECTING ME IN APPLYING FOR NEW CREDIT.
Product: Money transfers

Last year I deposited A {$50.00} deposit with google " wallet ''. That whole wallet was closed and I want a refund of the {$50.00}.
Product: Checking or savings account

On XX/XX/year> my debit card and pin number were used fraudulently to purchase a meal for {$200.00} at XXXX XXXX XXXX XXXX  an establishment that I have never visited. I believe that my debit card info was spoofed and then used to make purchases. On XX/XX/year> I noticed the unfamiliar charge. I found the restaurant by name online and viewed pictures of the establishment to ensure it was not a place I had ever visited. I confirmed that i have never been to XXXX XXXX XXXX XXXX. I then called my bank and reported the fraudulent activity, had my debit card closed and had a new one sent to me. Chase bank initially refunded me, but then later reversed the charge claiming that it was an authorized charge because it was made " chip to chip. '' I again reported that I had never frequented this restaurant and that this was a fraudulent charge. They re-opened the case, refunded the money. XXXX weeks later, they responded and again said that this was an authorized charge so they took the funds away from me. I did my due diligence and reported the unrecognized charge promptly. Chase bank will not listen to me and are blaming me when someone spoofed my debit card info and used it.
Product: Vehicle loan or lease

The car was repossessed and sold around XXXX of XXXX and sold for more than what the car was owed and tis loan is still showing as a charge off on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at Guaranteed Rate Inc has pulled my credit without my consent on XX/XX/2018. After he advised me that he pulled it i asked him why he did so without my consent, his reply was then QUOTE sorry for the trouble and good luck to you UNQUOTE. I asked him to make sure this doesn't show as a hard inquiry as i was shocked that he pulled it without my consent. I also asked if i should talk to someone else to have it removed.his reply was QUOTE Sure thing, i will look into it UNQUOTE.I asked him then to advise once done and have a letter send to me that it was taken care off, i expected something within 2 weeks. his reply then was QUOTE Again, good luck to you " Myname ''. I have always done good by you and did nothing wrong here UNQUOTE. since then i have reached out by phone and email to his boss XXXX XXXX and have never received a reply or call back.. I also had my attorney send a letter to XXXX at Guaranteed rate as well as XXXX, XXXX  and XXXX to try and have this removed. Neither XXXX or anyone from Guaranteed rate has replied, which in my opinion is very unprofessional from a company that claims to have the best mortgage experience on the planet. the unions have replied and mentioned that the inquiry removal needs to come from Guaranteed rate.