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

on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to XXXX and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no response.
Product: Credit card or prepaid card

XX/XX/2023 XXXX XXXX XXXX american express card reference number XXXX first i filed a complaint with cfbp next i will call XXXX  to alert the company of possible fraud on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX XXXX XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor : XXXX-XXXX  XXXX. XXXX. XXXX  )
Product: Debt collection

This loan was open back in XXXX I stopped paying XX/XX/XXXX due to not working they reported the information to the credit bureau in XXXX as unpaid debt they started garnishing my check for {$520.00} every pay period as they started garnishing my check I ended up losing my job I got the balance down. It was removed and deleted off my credit report. Now i received a threatening letter saying they going to file a garnishment on top of an old debt thats not owed. On XX/XX/XXXX
Product: Prepaid card

ATM fails to dispense {$200.00}, charged to Amex Serve Account due to acknowledged Amex Serve system error. 

I am the multi-year primary American Express Serve Account Holder, my subaccount holder tried to withdraw {$200.00} from an ATM which responded, " unable to process at this time ''. But the {$200.00} was deducted from her account. 

I have spent over two hours on the phone with Serve support because they wouldn't speak to my subaccount holder, because while she verified all the information on her account, she couldn't read the three-digit code on the back of her card. I have paid {$20.00} for expedited replacement of that card. 

I have spoken twice with XXXX ( Supervisor XXXX ) - he took the replacement card order, transferred me to " Billing Disputes '' and when they wouldn't help, I was sent back to XXXX. 

XXXX in Billing disputes has raised a dispute which she says will take XXXX business days or longer. She also states this is a known Amex Serve system issue, but they will not make it right, and sent me back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about transunion credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX  and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach transunion as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
Product: Credit reporting

Credit bureau is in violation of FCRA and has not physically verified the original contract with my signature on it.
Product: Checking or savings account

During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.
Product: Money transfer, virtual currency, or money service

I went to the XXXX  on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX the VIP concierge there and my host at the casino settled me out for my room. There was a {$300.00} authorization taken on my card from cash app when I got there They settled out for {$200.00}. They released the funds as I left the hotel on the XXXX of XXXX. Cash app refuses to release the extra {$100.00} they owe me and are saying it's going to take up to 30 days when the XXXX  has already released the money over a week ago. That should be illegal. I gave them proof from the XXXX  that it settled they refused to accept it and say the information of the XXXX  is not on there, the dates, and the amounts, when all of them are on there and I've sent it to them twice and pointed out exactly where they are and they refuse to acknowledge it. They're playing games they don't want to help they're a criminal company that is constantly taking advantage of the American people and they need to be shut down or highly penalized to where it actually hurts them. I'm sick of banks screwing us all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, XXXX and transunion updated reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian, ( consumer reporting agency ). I am disputing information contained on my credit report with experian, and in return Experian sent me a letter stating that it appeared as if someone else is disputing on my behalf. the letter that i sent them has my information on the returned letter and experian. Experian is refusing to investigate my disputes which is holding up the disputation process which then exceeds the 30 day investigative period. I choose not to call Experian for the purpose of disputing therefore i sent my disputes through the mail and i am requesting that they proceed with the investigation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/XXXXand it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.
Product: Credit reporting or other personal consumer reports

Dispute of Updated Account XXXX  ( # XXXX ) and REQUEST FOR Verification Method as per FCRA Section 611 I am filing this complaint regarding an unresolved dispute with XXXX ( partial account number # XXXX ), as reported on Experian report # XXXX dated XX/XX/year>. Despite an update to the account, several significant inaccuracies persist across all three major credit bureaus, specifically : Account Number : Variation in the reported account number.

Date Opened : Inconsistent reported dates.

H

igh Credit : Discrepancies in the high credit amount. Credit Limit : Inaccurate credit limit amount. Payment Status : Differences in reported days late. Last Reported Date : Inconsistent dates. Date Last Active : Inaccurate reported dates. Date of Last Payment : Variation in reported dates. These inaccuracies negatively affect my credit profile and may impact my financial stability. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have requested a detailed description of the verification procedure used to confirm this information. I am entitled to : A complete description of the procedure used for verification, including the method employed. The contact information ( name, address, telephone number ) of each person contacted concerning this account. Copies of any documents bearing my signature that demonstrate my contractual obligation to pay the claimed amount, as per Section 609 ( a ) ( 1 ) of the FCRA. I am demanding a full reinvestigation of this account and details of the verification method, as required by Section 611 of the FCRA. Additionally, any response based solely on the automated E-OSCAR verification process will be considered insufficient. I have filed my complaint with the Federal Trade Commission ( FTC ), in accordance with the FCRA. FTC Report Number : XXXX regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, Experian, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible.

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My ex-husband, when we were separated, used my information to obtain credit cards and use some of my long standing cards. This continued for several months after the divorce was finalized before I realized what was happening. 

I have disputed these charges with the credit card companies, but they refuse to remove them from my credit profile and have allowed debt collectors to purchase some of the debt. 

I need these derogatory accounts removed from my credit profile and association with my name. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. This left 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

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, XXXX, Transunion, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ). 
Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { Agent/Beneficiary } Without Prejudice, All Natural Inalienable Rights Reserved
Product: Money transfer, virtual currency, or money service

My wife made a transfer in my personal account like we have done in the past usually it take only a few mins to go threw. they placed a 3 day hold on my money which was my pay check causing fanatical harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I printed a copy of my credit report from Transunion. While looking over my credit report provided by Transunion I noticed that I had multiple inaccurate addresses reporting on my account. The only addresses that should be on my account are as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please delete all other variations of my address immediately.
Product: Vehicle loan or lease

The problem is with Capital One Bank not taking the loan payment. Neither from access directly to my checking by account with routing number or through a debit card After making several attempt 's to make a payment over the phone on my auto loan '' I have no internet access '', the amount is not deducted from my account. Now I'm told I am behind and the problem is not from me but the failure to take the amount I set to be deducted from my checking account. 
Every time now when I call and request an American rep they hang up on me. 
Each time my phone has been on the speaker and another person heard everything. I have a witness.
Product: Checking or savings account

I had a joint business account with my now ex husband. He went into Wells Fargo and bullied a worker, XXXX, to take my name off the account. My permission was required to take me off this account. They didn't have my permission. When I went in to put my name back on they said I would need his permission to do that so I couldn't get back on that account. XXXXXXXX XXXX actions cost me access to my money.
Product: Mortgage

I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.
Product: Credit card

I financed the purchase of an air conditioner through Synchrony Bank for {$8200.00} with no interest for 18 months. The minimum payment on my balance is {$200.00}. I have been paying {$250.00} each month via auto debit. I have not read a statement nor do I regularly log into my account because it was on auto pilot. I logged into my account today, XX/XX/XXXX, and saw an interest charge for {$2100.00} on XX/XX/XXXX and learned that while the original agreement was sold to me as zero interest for 18 months, it was actually 18 months of deferred interest, so I received 18 months ' worth of interest all at once in XX/XX/year>. 

I initiated a chat session with a representative from Synchrony and was told that since it had been 60 days since the charge there was nothing they could do and I would need to call a representative, which I did. I spoke with two different representatives and was told that the grace period was actually 30 days and that had I called within 30 days of learning about the interest charge they would have easily been able to remove it, as long as I paid off the original balance. I offered to pay off the remainder of the original balance ( ~ {$1400.00} ) in addition to whatever interest I've accrued since the end of the 18 month period and was met with " sorry since it's been 30 days there's nothing we can do. '' I explained that I was deceived in the original agreement and have made on time payments each month and would happily settle up the original balance right now. I have never financed anything before except a car and this experience has left such a bad taste in my mouth that it's unlikely I would ever finance a purchase such as this again. 

I have no record in my email nor on my Synchrony account detailing deferred interest. My statements have a notification about deferred interest and shame on me for not opening them regularly ( or ever ). In the world of Internet banking, relying on information to live in a vacuum in one location ( i.e. statement only ) isn't fair to the consumer. Clearly my account was on autopilot and while I could have been more proactive, a simple email reminder detailing what was about to occur could have avoided this altogether. However, my regular, monthly reminder from Synchrony never once indicated that I was about to be hit with 18 months of interest at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter and mailed a letter to remove my fraud alert and it still remains on my account. I just want this fraud alert removed this process should not take 3 months to complete.
Product: Credit card

Application was denied again. Company pulled my credit report and was denied due to the information is not matching on my credit report and my credit report is update and never lived another address or lied on my application and I think there a glitch with my application and I wanted to be review by a human rep and have them send me a verification code or something to approve me for this application. It was pulled on my XXXX credit report today XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX