23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove these fraud items in my credit file : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I am an XXXX XXXX  and a XXXX at XXXX University. 
On the XXXX of XX/XX/year>, I was heading out for lunch when a guy called XXXX asked for my help. I indicated that I was busy and didn't want to help. Then he accused me of being XXXX and handed me {$20.00}. 
I just wanted to follow up and return it because I was scared I might get in trouble if I left with his money. 
I never intended to take money out of the ATM, but I saw the place XXXX XXXX XXXX XXXX XXXX XXXX across the street on XXXX XXXX XXXX XXXX has cameras, so I decided to help him check the withdrawal fee. 
I put my card and PIN in but never put the amount in ; he distracted me, and I was so threatened. 
When my card popped out, I took it and ran straight to the closest Chase Branch for help. 

After a whole week of running around with mixed instructions from Chase, I couldn't get a police report because they would need a head letter from Chase, but Chase refused to give it. 

This will be my last complaint if nothing is going to be solved either way.
Product: Credit reporting or other personal consumer reports

XXXX. This is my second attempt- I am not a speed typist. On XX/XX/XXXX I paid off my mortgage two years early with XXXX XXXX XXXX. That payment was {$33000.00}. The same month of XXXX my credit score dropped from XXXX to XXXX. I called trans-union ( believed to be the agency ) and they would not discuss the problem unless I had a current report to read to them. I ordered one. The issue could not be resolved, so I filed a dispute. Trans-union recently sent me the dispute results with my mortgage payments ( all listed as current ) from XX/XX/XXXX to XX/XX/XXXX. Nothing different from the 13 years I paid the mortgage. Dispute closed by them. My score as of today is now XXXX. When you pay off a mortgage early, isnt that good anymore? I realize my score is still in a good range, but my report certainly doesnt show a good risk factor. Can you please explain what happened? I am retired, and dont like playing games anymore, such as these. Look back at my scores and you should see the chain of XXXX with all credit and loans paid on time, or early. Thank You
Product: Credit card or prepaid card

I've had the capital one credit card for many many years, which I have used a lot and always paid on time. I have a XXXX credit limit so my minimum payment is not low.. After covid everything changed and i bough a house a lil before covid, then i had XXXX kids, and am now single, my income changed dramatically after covid, but i was managing to do minimum payments. Right now I am not able to make not even the minimum payments so i decided to call to get help. It is incredible that such a big bank like Capital one was not able to find ANY ANY programs, any solution, nothing. I asked them to lower the minimum payment, nothing, i asked them to lower my interest rate for a certain period of time, NOTHING... am not sure if it was the associate that did not know what he was doing or it is just that capital one after they XXXX the life out of you with the highest interests rate they simply dont care to help customers when they need it. Ive paid XXXX of dollars in interest rates already so they tell me now they can not help me. I feel robbed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my consumer report from ARS. I keep getting error messages that wont allow me to freeze or access my reports. have a right under FCRA to be able to obtain my consumer reports as well as to freeze them.
Product: Debt collection

XXXX continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted XXXX is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. XXXX has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with XXXX or the company it represents. I will be forced to sue XXXX and all CRA that's reporting this information.
Product: Debt collection

XXXX XXXX has continually attempted to contact me at a phone number that is no longer my employer on XX/XX/2019 and XX/XX/2019. I am sure that there are more instances that I am not aware of. They have been told by multiple people I am no longer employed there. They have now also started to contact my current job. I have told them that I am not able to receive calls at work. I have sent 3 letters ( XXXX XX/XX/2019, XX/XX/2019, and XX/XX/2019 ). The original letter on XX/XX/2019 stated to not contact any workplace phone numbers for me and they have continued to do this.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit card

I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Bank of America XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Bank of America caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Bank of America issued a credit. XXXX issued a credit. Right now I owe Bank of America {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Bank of America and the charge back XXXX, which I pursued and obtained on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE BBVA LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.
Product: Checking or savings account

I went to a ATM machine on Friday, XX/XX/2023 approximately between XXXX to XXXX or XXXX oclock to deposit {$500.00} cash so I can pay my rent same day so I would not be late on my payment. When I get to the ATM in XXXX XXXX XXXX in XXXX XXXX Florida there was a line, I waited in line where I was the 3rd person, when it was my turn I scan my debit card and put my PIN number and follow the depositing prompt the deposit door open for me to put the money I did, afterwards the ATM machine started acting up opening and closing several times, when I see that the person that was in the line waiting for there turn said to me looks like the machine dont want your money, after they said that to me I reach to get my money back but the machine closes and started processing while it was processing a quick error message pops up and quickly disappeared didnt even get a chance to read it. Afterwards the screen just went to Home Screen didnt even print no receipts or even asked me if I want to print my receipts. When I saw that I thought it was weird so I scan my debit card again and check my checking account to see if the money deposited but it was not. I was confused, so I pretended to make a deposit to see if the deposit door would open so I can see if the money still in there but when it opened there was no money in there, my heart start beating fast because the line was getting longer so before I let the other person that was waiting go next I printed my balance that I had in my account so I can get the customer service number to make a claim and I also call the police to set a police report but they did it over the phone with me had the case number and claim number 3 days later I call the claim department to follow up with my claim they told me that it will take XXXX to XXXX business days to investigate and get a decision, after XXXX to XXXX business days I called they told me that they sent my claim to the wrong department they going to sent it to the non fraud ATM claim department that it will take another XXXX to XXXX business days to get a decision after XXXX to XXXX business days they call me saying that after their investigation my claim was decline/ denied and that the machine didnt have extra money in there and that the machine show no errors.I was mad and frustrated and confused. I just want my money back. So I went to the bank talk to a manager and she file a claim for me in the executive office after XXXX to 7 days executive office stand with the claim decision to decline/ denied my claim. I want help, I want surveillances to pull and I want my money back please help me. I want my money back and more for putting my through stress and late in my rent and I had to borrow the money to pay my rent and still have not pay back the money yet.
Product: Money transfer, virtual currency, or money service

I did an instant transfer ( XX/XX/21 ) of {$16.00} from cash app to my LISTED XXXX account. The money was not received. I texted cash app support the next day. The person didn't know why it didn't transfer and credited me the XXXX cent transfer fee. Waited the 3-5 days for normal delivery, but still not there. XXXX says it wasn't received. Cash app says they sent it. Normally, I get an email confirmation from XXXX when money is received. But, i didn't this time. Now, cash app says it's nothing they can do but provide the transaction date, time, expected location and Retrieval code, to which XXXX suggests that info can not be used and is internal to cash app. I've since closed my cash app account after several days of back and forth. I've even contacted XXXX, who then, after their letter to Cash app didn't help much, suggested I come here to get possible closure and my money from cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on XXXX and {$170.00} on Experian. N o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.
Product: Credit reporting or other personal consumer reports

There is information on my consumer reports that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself
Product: Checking or savings account

PNC opened a bank account in my name without my permission or any involvement at all. They keep sending me emails to transfer my funds there. I emailed them, but they aren't working on it. I'm still receiving the emails and most recently I received a letter from them about PIN selection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$33000.00} XXXX  XXXX Balance : {$5800.00}
Product: Debt collection

I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
Product: Prepaid card

I received a Vanilla Gift card in XX/XX/XXXX  purchased at XXXX in NJ as a gift with a {$200.00} balance ; however, the original card was damaged as the numbers on the front of the card were scratched and I could not activate the card to use. I called the company and requested and received a replacement gift card from Vanilla Gift Card in early XX/XX/XXXX  ( original case # XXXX ) with a {$200.00} balance. I activated the replacement card on XX/XX/2023. I attempted to use the card at a restaurant on XX/XX/2023 in XXXX, NJ as a credit card. The transaction was declined due to " insufficient funds '' although when I had checked the balance via phone prior to using, the balance indicated. I then attempted to use the card a second time as a credit card on XX/XX/2023 for an online food order at a restaurant in XXXX, NJ. Again, the transaction was declined. My last attempt to use the card was as a debit card at a gas station and then a supermarket in XXXX XXXX, NJ on XX/XX/XXXX. Again, both transactions were declined. 

I called the Vanilla Gift customer service number on XX/XX/XXXX  and was informed that the card was used on XX/XX/XXXX  at an online retailer called " XXXXXXXX XXXX XXXX '' and there is no more money on the card. The purchase at the online boutique was NOT made by me and is a fraudulent transaction. When I spoke to the representative at Vanilla Gift on XX/XX/XXXX, I was told to submit a description of the complaints via email and would receive a resolution within XXXX business days. I followed through with the company 's request and then waited the 30 days and called the company back on XX/XX/2023. I was told the complaint was not yet resolved and was told to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and was told my case was resolved and a second replacement card would be mailed to me no later than XX/XX/2023. I never received the second replacement card. I called Vanilla Gift again on Monday, XX/XX/2023 and was told by a representative named XXXX that my case was closed. I was irate and told her that the case was not closed as I did not have my {$200.00} gift card. She then explained that I needed to fill in a Dispute Form to trigger Vanilla Gift to contact XXXX XXXX ( where the fraudulent purchase took place ) and then I would receive a letter from the company within 45-90 business days with a resolution ( although she promised that I would hear from the company much sooner ). Again, I was irate. I have made numerous calls to Vanilla Gift to try and remedy this situation and there seems to be a different response from each representative I speak with regarding next steps. The woman I spoke with today named XXXX told me to expect the Dispute Form within 10 minutes of finishing our phone call at XXXXXXXX XXXX. EST. It is now 1 hour and a half past the conversation ( XXXXXXXX XXXX EST ) and I have not received any form. 

Please note that the current case # is XXXX. 

I believe the company Vanilla Gift engages in predatory and unscrupulous behavior and appreciate any and all help from CFPB to remedy my complaint and to prevent others from falling prey to this company.
Product: Credit card

I have filed a complaint against XXXX XXXX regarding their practices and fees. There is actually already a class action lawsuit in California alleging the same as my complaint : that their fees and promotions are unclear and that their payments are misapplied. 

In response, Paypal , Inc. has locked out my account. I am unsure of the exact relationship between Paypal and XXXX XXXX, but my XXXX XXXX card is attached to my Paypal account as " Paypal Credit '' and all of my purchases and payments are made through Paypal. I do not have a physical XXXX XXXX card or " Paypal credit '' card, all transactions and payments must be made through Paypal.com and my ability to send and receive money has been removed, and therefore, my ability to load my account and transfer that money as payments to XXXX XXXX has been removed. 

It is suggested it was due to " suspicious activity '' but there has been no activity in the past 72 hours and the last activity was my {$200.00} payment to them as of XX/XX/XXXX where they reversed my payment and I had to pay them twice.