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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00}.
Product: Credit card

I went to an establishment on XX/XX/2024 and was charged {$620.00} when I shouldve only been charged {$410.00}. I brought this to the attention of the establishment and was told I would be refunded. I was then charged a second time on XX/XX/2024 for {$200.00}. I was refunded {$200.00} on XX/XX/XXXX. I am still needing a refund of an additional {$200.00} because in total I was overcharged {$410.00}. My credit card company repeatedly resolved the issue after I sent in documentation and they stated that the refund on {$200.00} was the resolution after i repeatedly informed them that is incorrect. I sent in documentation of receipts on XX/XX/2024 I was told on XX/XX/2024 that my documentation had been received and they are reviewing it. I called today on XX/XX/2024 because I received another email that my dispute was closed and I was informed by a XXXX that no documentation had been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bankruptcy XX/XX/20 This has already been XXXX.on XX/XX/20 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/20. This already been XXXX on XX/XX/20
Product: Credit reporting or other personal consumer reports

i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
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 : XXXXXXXX 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 has violated my rights.

15 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: Checking or savings account

XX/XX/2022 I tried to get a Prepaid credit card and checking account where the bank didn't use credit. The bank told me I didn't qualify. It was PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report
Product: Credit card

PAID OFF MY ACCOUNT. PAYMENT WAS HELD FOR 13 DAYS. COMPANY COULD SITE NO REASON. HOLDING THIS PAYMENT IS IN CLEAR VIOLATION OF THEIR WRITTEN CARD POLICIES I WAS GIVEN. I CHOSE TO OPERATE WITHIN THEIR RULES AND I GET REPAID BY HAVING MY MORTAGE BE LATE. THIS WAS CAUSED BECAUSE OF THE HOLD RESTRICTING MY USE OF SOME OF MY BALANCE ON THE CARD TO MAKE THE PAYMENT. THIS COST ME A {$300.00} LATE FEE. I CONTACTED THE CARD COMPANY MULTIPLE TIMES. OFFERED TO SUBMIT A STATEMENT FROM MY BANK BRANCH MANGER SHOWING THE PAYMENT CLEARED AND WAS IN THIER POSESSION TWO DAYS AFTER BEING MADE. THEY WERE NOT INTERESTED AND TOLD ME TOUGH LUCK. CHANCES ARE WE MAY DO THIS EVERY MONTH. I TRIED TO SPEAK WITH SOMEONE HIGHER UP, BUT WAS TOLD NO PERSON WAS OR WOULD BE AVAILABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the last 5/6 years i have had 3 break ins, of my personal property, thieves getting their hands on my personal identification. The last break in, the officer told me they saw a spike in what they consider, non- violent criminals released back on the streets, resulting in crimes like mine. that does not include a data breach, after my XXXX in the hospital, and even better, Equifax breach, ( which the judge declared, completely preventable ), and XXXX XXXX breaches. This has affected me so terribly in many ways. Equifax as the other bureaus are supposed to be information, reporting agencies, not investigative agencies, or XXXX the American public agency, which is what they do, XXXX the American people. A " dead '' corporation, that exists ONLY on paper, deciding what and if they will follow the law, such actions, " XXXX XXXX ''. When i filed my dispute, i thought my " dispute '', was with the " alleged '', creditors, i stupidly did'nt realize Equifax had a interest, in my personal, private business affairs. I have written them for years now a waste, money, and time consuming events, that has taken its toll. I will not dispute any more information, with this XXXX, called a credit bureau, but will spend my time, in courts, sueing these XXXX, trying to get a proper answer, to what gives them the authority, to overide our Constitution, and impair my ability to contract, Article 1, Section 10, clause 1. I have the supporting documents, them responding to me, by saying they will not follow the law and block, such information, but turn it over to the alleged creditors. How and why they are allowed to operate, please XXXX, others comments, on the internet, is pale to me, but if our Governmental agencies are powerless to get them to act as a, reporting ageny, instead of a police organiaztion, heaven help us. Do i have time to be sueing theses XXXX in court, NO, BUT I WILL MAKE TIME
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have suddenly appeared on my credit report, and I have no idea why. I checked my credit report as I usually do, but this time, there were discrepancies that took me by surprise. Even after refreshing my browser to see if it was a technical issue, the unauthorized inquiries didnt disappear. This situation has left me deeply unsettled, so Im requesting a careful examination of the documents Ive provided to prevent any future worries.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i walked into XXXX, gave them {$500.00} cash, and wanted it deposited to my Capital one checking acct, I gave the women my capital one credit card ( instead on the bank card. The 3rd party who handled the cash transfer was, XXXX XXXX. i went home immeditally to correct the situation, XXXX XXXX said the transaction was to fresh, new that she did not see it, check back in XX/XX/XXXX business days. should not be a problem, until there was a problem. they gave my credit card the money and not the bank card. Capital one was unable to transfer it to my checking account or issue me a check. They sent it back to XXXX XXXX electronically ( date XX/XX/XXXX, trace # XXXX ) XXXX XXXX  is impossible to get a hold of if you don't have an account with them. I spoke to XXXX and they reached out to XXXX XXXX, to Call me and they have, and stated there is no record of my name and that the trace # is to long they cant help, case closed. i have been in a run around circle with XXXX, CapitalOne and XXXX XXXX  for several months and not one of these Hugh companies can help me get my {$500.00} cash back. what i have been through to fight for my money back is so unbelievable, the hours upon hours of being on hold, dealing with horrible customer service. its going on 4 months now, Please, Please help me Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
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 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 redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX said i didnt have credit history and XXXX and transunion cant seem to fix my credit with the inaccurate information they need to fix that asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XXXX, XXXX I brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, XXXX   responded that there was a discrepency in my SSN and what was on my report. I was to call XXXX  to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with Experian. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 un

der 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquirie
s ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage
Product: Credit reporting or other personal consumer reports

1.The company is spelling my name wrong apon completing change of name form and faxing it to the administration. 
2. The company is calling me XXXX than pronouncing name in reverse as XXXX  instead of the correct left to right sequence of the abc song and US national anthem. That what I was lead to believe by a rebel service agent that hates white people.

3. I complain social security Department has my name spelt wrong to result in error I complained of fraud to their department.

4. My legal name letters is inherited from XXXX as our XXXX alphabet and the company is apart of my estate of US so I have perfect credit but the company spells my name wrong in reporting to the US federal government. 
5. XXXX [ XXXX  ] is a void name of correspondence sent to me in email misread from social security department mispelling of legal name. 
6. Company computer form added a extra initial to legal name spelt wrong on form due from mispelling XXXX [ XXXX  ] insteading of usinf propper representation. The letter j is spelt XXXX [ XXXX  ] for-profit than they called me XXXX and pronounced my whole indivisible name in reverse [ XXXX  ] and tried to assign that to the letter j and program computer error extra initial t while the letter t is my inheritance of england with the space and is required to be visible in first name of high speed computer as shown in complaint name. Nobody went to school for high speed internet as it is really XXXX XXXX stuff than the XXXX XXXX tries to pretend their really XXXX XXXX following me while I am XXXX XXXX and freed to the XXXX XXXX. 
7. How am I suppose to use money with my name over spelt or spelt wrong!
Product: Checking or savings account

On XX/XX/XXXX My business checking account was fraudulently debited in the amount of {$4300.00} by a company XXXX XXXX XXXX XXXX XXXX  apartment complex. Due to my office being closed for 2 months due to several of us contracting XXXX and having XXXX XXXX  we did not become aware of the debit until a meeting with our XXXX XXXXXXXX team on XX/XX/XXXX, which flagged the item prior to the XX/XX/XXXX meeting but could not reach me to discuss it. I immediately filed a claim with the Bank of America business department as Fraud and told them we had a prime suspect, but the property would not confirm the culprit until we filed the claim. I was told on XX/XX/XXXX I would receive a decision for my provisional credit of {$4300.00} as they took up to 90 days to investigate the matter. However, I called today XX/XX/XXXX since I had received NO correspondence or calls regarding this seriously urgent matter. I was told they denied my claim for not " Reporting the Activity in a timely manner '' and " ACH wire into account before the transaction '' However this is my MAIN business account so of course, wires came into the account but that did not make us privy to the fraudulent debit AND as explained I was dealing with and recovering from XXXX and was unaware of the fraud discovered by my XXXX XXXX team. I called as soon as I was made aware and was well enough to call. 

This grave injustice to penalize me for not noticing fraud sooner due to being XXXX and dealing with a XXXX XXXX within our company seems contradictory to the fiduciary responsibility as there were NO ALERTS sent to me from the bank... THEY NEVER asked me to verify the charge. However, several times I have been making large purchases at XXXX with my PIN I have had them denied and I had to call in to get them approved. The bank can not PICK & CHOOSE when it protects my account and when it does not and then NOT honor its advertised 100 % fraud protection as I never signed an agreement or contract stating the specific timeframe for a fraudulent item to be reported. If I had that knowledge previously it would be something in place with my accounts payable team to make sure to audit our account within those specified guidelines. The mere fact it seems NO INVESTIGATION was even done, and my bank made the autonomous decision to " DENY MY CLAIM '' for frivolous reasons seems like a breach of trust, and their fiduciary responsibilities. I respectfully ask this matter to be investigated thoroughly as soon as possible as my business urgently needs the money fraudulently taken from us back to keep payroll afloat.
Product: Credit card or prepaid card

My father, XXXX XXXX XXXX, opened up a credit card in my name using my social security number when I was just XXXX years old. I have not personally used this card and I do not have access to it. It is affecting my credit score. I need the card to be paid off my by father, as he is using it for his personal purchases, and I need the card closed and I need it nullified from my credit. The card is from capitol one and has a balance of {$1500.00} as of now. This card was unlawfully produced by my father from my social security number. I need it paid off my him and canceled.
Product: Mortgage

I filed a chapter XXXX bankruptcy in XXXX, which I did not include an reaffirmation for my mortgage in the bankruptcy agreement. My bankruptcy has been closed. I've been paying my mortgage over the years, but the mortgage company will not allow my mortgage payment status to report on my credit report. The mortgage company has switched hands four different times since I purchased the home in XXXX. The mortgage company I have now is telling me they need a copy of the affirmation agreement from my chapter XXXX bankruptcy. I'm unable to provide this information because I did not include a reaffirmation agreement with the bankruptcy. My mortgage is the biggest asset I have and it not reporting on my credit report has affected my credit tremendously. I'm unable to obtain credit or purchase things. Please help me. I think this is so unfair. I even spoke with my bankruptcy Lawyer who assisted with my Bankruptcy in XXXX and she suggested I contact CFPB to file this complaint. Please please help me. This mortgage company has been accepting my payments faithfully for many many years, but won't allow my payment to appear on my credit report. I think this is an injustice and something needs to be done about this as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXXXXXX 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 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
Product: Credit reporting

HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou
Product: Checking or savings account

I met XXXX XXXX on linked in and we became close friends he helped me get off XXXX we tried to create an orphanage that failed due to XXXX credit and their sabotage of multiple transactions xenophobic handling apocryphal fees and mishandling of transfers and we suspect hate crime i later became a security guard at XXXX XXXX to have my phone and record searched and sorted and verified no fraud on my end nor XXXX XXXX then XXXX XXXX  also dropped our business then investigated us and determined no fraud no crime nor scam this then leads us to suspect fraud against foreign banks seniors and mentally ill like me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they lost thousands bait switched fees then charged me for a fraudulent check and say I owe them yet can't produce an image of the check and I would like them thoroughly investigated and will pay what I owe again due to my experience i do not trust them and feel the need for your assistance XXXX We need to access the files we are precluded from online banking yet they send us impossible links as a senior and mentally ill person this is hateful cruelty the representative XXXX XXXX only partially Sent incompetent data and attempted to bully me without acknowledge the theft on their part and bait switch practices please note I will pay what I owe but based on my experience with XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX I simply can not rely on the verification of Alliant Credit Union at all and would like them investigated please and thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : 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