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

EQUIFAX IS PULLING THE SOCIAL SECURITY & NAME OF MY SISTER INSTEAD OF ME. ALL OF THE TRADELINES PULLED BY EQUIFAX IS FOR MY SISTER. 

1 ) OUR NAMES ARE VERY SIMILAR INCLUDING THE MIDDLE INITIAL 2 ) OUT SOCIAL SECURITY NUMBER IS DIFFERENT BY THE LAST 2 DIGITS. 

3 ) FOR SOME REASON EQUIFAX HAS BLENDED OUR CREDIT REPORT AND SO ALL OF HER INFORMATION IS PULLING AS MINE. I HAVE TRIED TO CONTACT EQUIFAX SEVERAL TIMES VIA WRITING AND PHONE CALLS WITH THEM NOT FIXING THE ISSUE ON THEIR END 4 ) XXXX AND XXXX SHOW CORRECT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ( XXXX, Experian and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor XXXX XXXX XXXX XXXX  has referred to me the assignee XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law, a credit repairing agency based in XXXX Utah took several disclosures and payments in regards to credit repair to my Credit report SS # XXXX ... multiple payments and interventions ie XXXX, have taken place... In the course of moving to the state of Michigan as a XXXX XXXX XXXX ( XXXX XXXX ) ; advertisements were made as to the " transaction '' capability of State Bar Attorney, XXXXXXXX XXXX an associate of the Lexington Law firm under XXXX XXXX. XXXX XXXX  capabilities and interventions caused me to get involved, however, the Michigan branch would not address any of my requests for intervention as outlined on their main website www.lexington.com. An example of this type of overriding services was experienced when I presented information about an XXXX XXXX XXXX Reservation with the XXXX XXXX XXXX in XXXX XXXX XXXX Michigan XXXX When the legal counsel associate was asked to thread with the communications, he simply would not acknowledge the purchase of a Military lease Vehicle that may have been racketeering or unlawfully purchased without correct due process... further, the Lexington company has amazing strengths and an XXXX XXXX dollar class action lawsuit that causes me to observe and report to your agency even further .... XXXX
Product: Credit card or prepaid card

My credit card account was transferred to Comenity sometime in XXXX or XXXX of XXXX. I did not receive a statement for XXXX. 

I had to call XXXX  XXXX XXXX to inquire about which company my account had been transferred. They told me Comenity. I was able to find a phone number for them and called them. They said they would send out a statement, which they did. 

The problem is now they want a double payment ( which I can not afford ) AND they tagged on a late fee of {$28.00}. I just called and she said that she would NOT remove that fee or the double payment due. 

I also let her know that I could not register online to pay my account. She said that my account number had changed and they would send me yet ANOTHER statement with the new account number. She did not have an explanation of why they did not send the correct/new number with the statement they JUST mailed to me. 

She told me it would take seven business days to receive my new statement with the new number. I let her know it would most likely not reach me on time, as it would be delivered past the due date. She told me there was nothing she could do and I would have to pay yet ANOTHER late fee ( this one {$39.00} ). 

This company has MANY online complaints from other consumers with the same problems and complaints. I know I'm not the only consumer having problems with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To '' ATTENTION XXXX  CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH XXXX THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX  CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$48000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Mailed payment ( Money Order Number XXXX XXXX XXXX XXXX via usps on XX/XX/2021 to XXXX XXXX XXXX  via Comenity Bank XXXX XXXX XXXX, XXXX, TX, XXXX. Company reports as of this date no payment has been received and they are calling me demanding payment and late charges. Payment was due on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion due to their inadequate response to my dispute. On XX/XX/year>, I sent a dispute letter to TransUnion, seeking an investigation into inaccurate items on my credit report, including XXXX XXXX - XXXX, XXXX BANKR - XXXX, and XXXX XXXX XXXX - XXXX. Additionally, I disputed incorrect personal information on my credit report. However, TransUnion 's response, dated XXXX, stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. The Fair Credit Reporting Act ( FCRA ) mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. TransUnion 's failure to conduct such an investigation is a violation of my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete OHIO DEPT OF HUMAN SERVICE.
Product: Checking or savings account

My account was stolen over XXXX worth of money, I have contacted Citzens back and have asked them for a temporary credit, so I can pay my bills right now. They have been declining my request when I told them my card was stolen and I dont have it, I really need this money back,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair practices and personal security breach for fraud committed in my name, which violates 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 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 inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

EQUIFAX Report # XXXX XXXX XXXX is listing A Account that is DELINQUENT and in Collection requesting the below listed account be deleted immediately! And removed from my credit report. 
Account ending in XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

You have acknowledged that this account belongs to you from Great Lakes higher education you have not complied with 15 is code 6801 15 us code 6802 15 us code 1681a
Product: Checking or savings account

Funds were being withdrawn from my account in a city 4 hours away, and caused my account to get overdrawn on multiple occasions. Wells Fargo never did anything to help me when I reported this on my account. I closed my account in 2016.
Product: Credit reporting

Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years
Product: Credit card or prepaid card

Bank of America pre paid XXXX XXXX  card. On XX/XX/XXXX2020 I had a balance of XXXX. XX/XX/XXXX2020 I had XXXX. I called and was told it was fraud a store in New Jersey called XXXX XXXX XXXX charged my card. Now I was working in AZ that day for the XXXX XXXX so clearly impossible. They canceled my card gave me a credit and sent a new card. XX/XX/XXXX20 I was charged back XXXX when I called they said fraud dept said it was not fraud. After hearing my story they said it had happened to a lot of people they would re open the claim # XXXX call back in a week. To this day I call am on hold for over an hour or told I'll get a call back. After being on hold a hour a recording says try your call again. Each time I call I'm told there are no notes in the system. Today when I said I'd call back Monday I was told not to. That there is no time frame and no way to know when my claim will be looked at because theres a lot of claims. The recording says all calls recorded so there's proof of the appalling service. XXXX at anytime is a lot. But during COVID it is needed even more. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are wilfully negligent and in violation of federal statutes, and I require this situation to be resolved as soon as possible. Please remove the following from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove or fix the following Accounts in my credit profile which are appearing to be Fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to Finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$10000.00}.
Product: Debt collection

I am filing a complaint against OneMain Financial regarding their debt collection practices. I have requested that they cease all forms of communication with me, as their persistent contacts are causing significant stress XXXX XXXX. This communication does not constitute an acknowledgment of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Florida law, I have the right to request that they stop contacting me. Their failure to comply with this request violates my rights.
Product: Checking or savings account

on XX/XX/2021, I received an authorized wire transfer into my small business checking account at Wells Fargo bank. The next day I sent the funds to my supplier. After the funds were sent, the sending back requested that the funds be returned. Wells Fargo then removed all remaining funds from my account, then closed the account, causing a loss of {$30000.00}, which was all the funds from my account, that I had obtained from an SBA loan.
Product: Checking or savings account

I have an account with CitiBank and they blocked me from having access to my account and refused to tell me why. I asked could I go inside a branch so that I could verify who I am and they told me no. They refuse to unblock my account which means I am not able to pay my bills. I have called several times and no one seems to be willing to help me. I have asked to speak with a manager and still no help. Its been over a month and I still dont have access to my funds thats in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM REMOVED IMMEDIATELY. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, i am distressed to inform you of the willful noncompliance of federal law by Experian. Their inaccurate and misleading reporting has played a vital role in my ability to obtain credit. Here are some laws being being violated in my situation. I am trying to stay away from the process of litigation but if thats what i have to do to be treated fairly i guess thats where i will have to take this matter ...

-15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation
Product: Checking or savings account

Subject : Request for Assistance Regarding Transaction Dispute Dear Chase Bank Claims Department, I hope this message finds you well. I am writing to bring to your attention a situation that has arisen from a recent transaction involving my account. I believe your assistance is crucial in resolving this matter. 

On [ XX/XX/2023 ], I made a transaction of {$25.00} to a family member, XXXX XXXX, with the understanding that it was for the purchase of cologne and body washing products. However, upon receiving the items and assessing their quality, I was dissatisfied and decided to return the products when we met in person.

During our in-person meeting, XXXX XXXX acknowledged the misunderstanding and promptly agreed to provide a refund. She advised me to contact Chase Bank for the refund process due to misunderstandings and incorrect wording during the initial transaction.

I kindly request your guidance and assistance in facilitating the refund process for this transaction. The nature of the misunderstanding and the prompt acknowledgment by XXXX XXXX of the need for a refund lead me to believe that a resolution can be achieved with your support.

Please let me know the necessary steps and documentation required to initiate the dispute resolution process for this transaction. Your prompt attention to this matter is greatly appreciated.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 1880 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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.