23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt Collector : Common Wealth Finance XXXX ( XXXX ) XXXX Is attempting to list an old account as open and new. This same account has been disputed multiple times on my credit report and removed multiple times for inaccurate reporting on the age of the account with various other debt collection companies. As well as old enough to have fallen off without dispute. 
This company has failed to list any pertinent information about the original account. It has not listed the age of the account, it has not listed the date of original delinquency, and has not notified me of the debt. This company is getting away with reporting this account inaccurate and unfairly. This account is not new and it is not open. It is to old to be on my credit report. 
These people have the ability to hurt anyones financial future and should be made responsible for the inappropriate way that they conduct business.
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 ( 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 proce. 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 or other personal consumer reports

I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with Midland Funding, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old
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 Account Name : XXXX Account Name XX/XX/XXXX Account Name : XXXX Account Name :XX/XX/XXXXXX/XX/XXXXAccount Name : XXXX Account Name : XXXXXX/XX/XXXX Account Name : XXXX and list of Inquiries. 

XXXX5 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

To whom it may concern, I am writing to dispute the negative credit report from XXXX XXXX XXXX, an affiliate ( dba ) of XXXX XXXX XXXX XXXX. The dispute is in regards to their unauthorized and fraudulent billing, unauthorized charges to my credit card and bank account, and fraudulent contract. I 'm requesting that the item they reported to XXXX, Experian, and XXXX be removed and corrected, my credit rating restored while an investigation proceeds, and no future reports be allowed from their company and/or affiliates on my personal or business credit reports. The parent company has a history of this same fraudulent business practice, and a lawsuit was filed in XXXX XXXX by New York Attorney General XXXX XXXX XXXX to which they settled and paid fines and restitution. The company has continued their fraudulent business practices and were recently sued again by the same New York Attorney General XXXX XXXX XXXX in XXXX XXXX. These links are both attached to support my position. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of a XXXX scam. I signed a lease and then got scammed after I sent the Money. I sent {$400.00} on XX/XX/XXXX for security deposit, {$850.00} on XX/XX/XXXX and XX/XX/XXXX. {$250.00} on XX/XX/XXXX for the fee. I reported it to Wells Fargo on XX/XX/XXXX. Wells Fargo denied because i knowingly sent the money. I explained I have all the proof and I was a victim. Wells Fargo did not inform me of it or investigate it. XXXX states if you are a victim of an imposter scam you can receive your money back. The Landlord then deleted her account and blocked my number. XXXX states if you are a victim of an imposter scam. I can get my money back. Attached is all the information needed. The person who claimed to own it does not.
Product: Debt collection

I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from XXXX  and I disputed the accounts but the credit bureaus didnt dispute it they kept it on my credit report
Product: Checking or savings account

On XXXX  a ach debit in the amount of {$2500.00} was taken from my account, not authorized. Bank of America took {$1200.00} out of my savings to cover this ach debit, eventhough on that day i had a direct deposit in the amount of {$2000.00}, which left my account balance at {$2600.00} which was enough to pay the unauthorized {$2500.00} ach debit. I immediately went to the bank and filed a complaint. I want to know what happened to my savings money that was trqnsfered to my checking? They never put that back in PLUS charged me overdraft fees totalling {$120.00}. I have been asking for my savings account money to be returned to me with tje overdraft fee and i have beem ignored and they keep passing the buck. I have been a customer of bank of america over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX, OREGON Unauthorized credit inquiry. Credit inquiry made despite explicit instructions not to perform a hard pull. No credit was sought, and I simply entered the business to inquire about cell phone services. I was verbally assured that no credit would be pulled. 

I never exchanged money with XXXX and never had an account with them, yet my credit was pulled despite my explicit instructions not to pull the credit. 

XXXX pulls credit reports without permission or authorization, and indeed pulls them even after being told explicitly not to pull them, and they also lie to your face about pulling credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Investigation of Unauthorized Inquiries Dear Sir or Madam, I checked my personal credit report, which I paid for from your organization and I noticed unauthorized inquiries had been made. 
I contacted each of the following companies, who conducted each of these inquiries and requested proof that I authorized them to pull my credit report. No proof has been forwarded, therefore I asked them to remove the credit inquiry they placed to my credit profile. 
I request that you initiate an investigation into the following inquiries and have them deleted ASAP! 
1. ) XX/XX/XXXX XXXX XXXX ( I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ), please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX 2. ) XX/XX/XXXX XXXX XXXX - Again I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ) 3. ) XX/XX/XXXX or XX/XX/XXXX XXXX XXXX -- - I never authorized them to pull my credit please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX, Please delete this inquiry! 

Once your investigation is complete and you find my allegations to be true, please remove the unauthorized the inquiries and send me an updated copy of my credit report at the address listed below. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX
Product: Credit card or prepaid card

Applied for the Citi XXXX credit card with a XXXX TYP sign up bonus. Was approved but was never informed I was ineligible. I met the terms and never received the bonus. They claim it was XXXX months since I had the card but needed to be XXXX months to receive the bonus. 
No where along the way was I specifically informed of ineligibility. I think it unrealistic a customer is suppose to keep track of how many months between closing and opening an account. This is information they track. If they track it they should not be deceptive in their practices and let their customers know up front if they are eligible for the offer before approving the card. I was influenced yo apply by the sign up offer and was never informed along the way of ineligibility.
Product: Debt collection

In XX/XX/2018 Judge XXXX XXXX from Superior Court of CA granted in full the claim of exemption for wage garnishes. Judgement Creditor XXXX XXXX was directed to release monies held to me the judgment debtor. In XX/XX/XXXX this year I received a letter from Gurstel Law Firm stating they will renew the judgment for another 10 years!! I wrote a letter to them stating that I do not owe this debt. I dont know who XXXX XXXX XXXX are but they keep harassing me for this debt. They have not sent me any verification to validate debt to be collectible. 
Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive labeled each section of inquiries according to which bureau they are being reported on below. Approximately two weeks ago I filed a dispute with the credit bureaus to have unfamiliar inquiries removed from my credit report. Most of the inquiries listed in my dispute letter were removed but for some unexplained reason others were not. Below are the remaining inquiries I need removed. These inquiries are spread out across the three major credit reporting agencies transunion, XXXX, and XXXX Thank you for your time and efforts, its very much appreciated. 

TRANSUNION XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX
Product: Checking or savings account

As I stated in the previous complaint, Capital One continues to withhold deposits made by employers due to holidays. It is unfair and due to that reason I am no longer going to be a Capital one member and I will also share the disadvantage and inconvenience that the bank has to all my family and friends so that they also do not continue to have struggles like myself.
Product: Debt collection

My name is XXXX XXXX and I am not sure where to turn. Someone told me that your company may be able to help me. I have been working on some things on my credit file and I believe that is how it started. Yesterday XX/XX/2018 I received a voicemail from a phone number of ( XXXX ) XXXX. The message stated that they needed to come by the house to have me sign a sale document and if I wasn't there they would go to my family members, so I called back to find out what this message was about they transferred me to someone else who stated they were trying to collect a debt from XXXX alarm system. The lady I spoke with stated if I didn't pay they will have a judgement held against us. 

I wanted to speak with my husband first because this scared me and I wasn't sure what to do. I spoke with someone that understands credit and was told that I do have a right to see the break down of fees and get a validation of debt. So today XX/XX/2018 I called the same number and spoke to XXXX he will not send anything that shows a break down and if we do not call him back today and take care of this balance he states do not bother calling back! 
Also he said the person that left me the message doesn't work for them but yet they left the same phone number I never said I would not pay the debt but what I wanted to see was validation of the debt and how they arrived at a balance owed. 

When I called back the number the answered the phone XXXX XXXX XXXX.
Product: Debt collection

Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  Thank You
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {XXXX} from XXXX XXXX for services that had not yet been provided. Then another {XXXX} in XXXX, XXXX and {XXXX} in XXXX, XXXX. This was all charged and the only services that were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that I had a credit for a partial and when I went to get it, they told me that I owed another {XXXX}. I started pulling all the documents from my insurance and XXXX XXXX billed them for the same amounts. I should have only paid {XXXX} per my EOBs. I was overcharged by {XXXX}. I have contacted Genesis Credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been hung up on, talked over with no resolution. I have faxed 30 pages of documents 4 times showing I was overcharged and they said they never received my fax even though I have confirmation it went through.
Product: Credit card or prepaid card

UPDATED INFORMATION** I was discriminated against in this consumer credit transaction. This willfill action was adverse to the interests of me the consumer. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. For purposes of 1691 ( d ) ( 6 ) subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. How can i be denied the use of my credit. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction provided the applicant has the capacity to contract. i hope to resolve this matter of discrimination as soon as possible. I already sent American Express with a cease and desist which they violated as well. If you can prove American Express that you are not discrimination or i will have to pursue this matter though litigation as the Federal law suggests. 
CFPB Ref No : XXXX Ref : XXXX Reference Number XXXX
Product: Credit reporting or other personal consumer reports

Hi, Last XXXX I came across a great deal on shark clean for an air purifier, big discount and 0 % interest over 6 months. I had no idea itll be reported as a consumer finance loan on my XXXX credit report. First surprise was the purchase being reported as consumer finance loan, permanently marking my otherwise great credit profile as risky. After completing the payments on time, I reached out to Affirm, explained how their small paid off loan is resulting in a XXXX points drop on my credit report, banks are declining my credit increase requests and I fear Ill be penalized for it as I get ready to buy a home. Affirms call center simply kept me on hold before disconnecting the call after a wait of XXXX minutes, twice. The only feedback I got was affirm reported it as per policy. I wouldnt have gotten this small loan if I knew itll be reported and would be considered a risky consumer finance loan. The categorization of the loan was not mentioned anywhere in their documentation I understand their mandate on accurate credit reporting but penalizing my whole meticulously manage credit profile over a {$200.00} paid off loan is just not fair. XXXX and buy now pay later industry needs to get their act together, agree on a suitable category for such loans before they penalize consumers for not very transparent gotchas they got hidden in their agreements. 

I request that affirms consumer finance loan entry be struck off my XXXX credit report in good faith, helping me ensure I can buy and afford a house for my family at favorable rates I deserve based on my real credit profile.
Product: Debt or credit management

Subject : Urgent Request for Resolution of Credit Reporting Inaccuracy Dear Wells Fargo Customer Service, I am writing to bring to your attention a critical issue concerning the reporting of my Wells Fargo account information to XXXX, one of the major credit bureaus. Recently, I discovered a significant and unjustified drop of 13 points in my credit score, attributed to information provided by XXXX about my Wells Fargo account. 

Upon reviewing my credit report, I observed that XXXX is reporting a balance of {$520.00} on my Wells Fargo account, which is inaccurately affecting my credit score. It is crucial to note that this reported information is not reflective of the actual status of my Wells Fargo account. The account is in good standing, with no outstanding balance. 

I have made attempts to resolve this matter directly with XXXX, but the response and assistance provided have been unsatisfactory. Therefore, I am reaching out to Wells Fargo with the hope that you can help rectify this reporting inaccuracy and collaborate with XXXX to update my credit information accurately. 

I kindly request the following actions : A thorough review of the information reported by Wells Fargo to XXXX regarding my account. 
Correction of any inaccuracies in the reported account balance and status. 
Timely communication and coordination with XXXX to ensure the updated and accurate information is reflected in my credit report. 
I believe that your prompt attention to this matter will not only rectify the credit reporting discrepancy but also contribute to maintaining the integrity of my credit history. 

Thank you for your assistance, and I look forward to a swift resolution.
Product: Credit card or prepaid card

Good evening : During the year 2020, I purchased from XXXX XXXX XXXX XXXX, XXXX 700 Boxes of its product XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, but backed by XXXX company, which is located in California, then I I started sales through XXXX AND XXXX, of which XXXX boxes were defective, next step, I contacted the selling company and they didn't want to help me, then I started a dispute for XXXX and they couldn't help me either, then I started a dispute on the card from Chase Bank with which I bought the products and they gave me the money back and as the days went by chase bank the credit card, they reloaded it to my account for {$4700.00} and the Card is : Chase Bank number XXXX. 
Then I spoke with the people of Chase Bank and they asked me for more documents and I sent them that were the returns that my clients made on their defective products. 
CHase Bank without talking to me again gave the {$4700.00} to the company XXXX, which is a sales platform, and they sell defective products and the XXXX masks that sell them FALSIFIED, I ASK YOU TO PLEASE REVIEW THE CASE, and prohibit the company that sold, please re-sell your defective products.Thank you
Product: Money transfer, virtual currency, or money service

Venno company will not answer questions and dates and reasons my account was permanently deactivated.