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

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and Equifax is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX  XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I made an unfortunate decision to open a self-credit building account, which required me to pay a monthly fee along with a certain amount. The purpose was for them to report this activity to my credit history and eventually refund me the amount I paid after 12 months. However, unbeknownst to me, in XX/XX/XXXX, they opened a credit card under the same account without my knowledge or consent. To make matters worse, they deducted approximately {$200.00} from my protected loan without my permission and transferred it to this unauthorized credit card. Additionally, they charged me a yearly fee of {$25.00} without my prior knowledge. I remained unaware of these actions until XXXX when I discovered a late payment on my credit report, resulting from the non-payment of the dues on this unexpected credit card. 

It is important to note that they wrongfully took money from me without my consent, as I had not been informed or involved in these transactions. I have documented my interactions with them while attempting to have this account removed from all three credit bureaus. If they fail to rectify the situation by removing this account from my credit report, I will be left with no choice but to pursue legal action against them. I believe I have grounds for several legal claims, including Unauthorized account opening : ( They opened a credit card without my consent or knowledge, which is a violation of consumer protection laws. ) Unauthorized deduction : ( They took around {$200.00} from my protected loan without obtaining my permission, which constitutes unauthorized access to my funds. ) Hidden fees : ( They charged me a yearly fee of {$25.00} without disclosing it upfront or obtaining my consent, which is deceptive and unfair business practice. ) Credit reporting negligence : ( Their failure to inform me about the credit card and subsequent non-payment resulted in a late payment appearing on my credit report, potentially causing damage to my creditworthiness. ) Again I have meticulously documented my interactions with them in an effort to resolve this matter. However, if they do not take immediate action to remove the account and rectify the damage caused, I will proceed with legal action to seek compensation for the harm, inconvenience, and potential financial losses I have suffered due to their misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory information in my file. 

I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life & you guys are not following the laws like the FCRA 609 section by reporting 100 % accurate information on all three bureaus!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE THREE INCORRECT THING ON MY CREDIT REPORT...

I NOTICED THAT I HAVE A 2 STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM XXXX, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....
Product: Checking or savings account

I opened my checking account on XX/XX/2023, and since then I have not received my debit card. When I opened I gave a mailing address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX different from my home address XXXX XXXX XXXX XXXX XXXX, TX XXXX. It looks like the mailing address wasnt added to my profile and thats why im still waiting for my debit card. 
I requested 3 times to update the mailing address on file trough the online banking on XX/XX/XXXX, XX/XX/XXXX without any answer. 
Please proceed how was instructed trough secure message on the online banking. And also send a new debit card and pin. 
Thanks
Product: Credit reporting or other personal consumer reports

Yes I have previously filed a complaint with this company stated they reinserted XXXX XXXX that was removed from my credit report. This was XXXX XXXX. They assured me that wasn't the case. However upon pulling my credit report they did re-insert XXXX XXXX account. Without written notification. This is a FCRA violation and my attorneys will be collecting for all violations.
Product: Money transfer, virtual currency, or money service

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX Account No. : XXXX XXXX XXXX XXXX Disputed Amount : {$75.00} Specific Transaction : XXXX XXXX XXXX Posting Date : XX/XX/2020 Card Ending XXXX XXXX XXXX, ( Authorized user-my mom ) She didn't authorize this transaction. This Transaction is fraud. It was taken via Cash App. The cash app account has been closed. We also communicated with Cash App and they advised us to contact the Credit Card Company for further assistance. Please reverse this item and charge it back to Square ( Cash App ). I dont know this person and I never sent money from my credit card to cash app.
Product: Credit card or prepaid card

Within the last 90 days I received an offer to get a credit card that offered discounts to all purchases at Walmart. the promo intro page had a large picture of a MasterCard, giving the impression that I would be applying for a MasterCard from Walmart. I was approved and ended up receiving in the mail a store card that can only be used at Walmart.

Being that I was mislead and thought I was getting a major credit card, MasterCard. **I 'm requesting that the Hard Inquiry be removed from all credit reporting agency that it was submitted to. Also if possible, I still would like to receive an actual MasterCard in addition to having the Hard Inquiry removed. Since I have the store card, I'll just keep that also.

Sincerely, XXXX XXXX   Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I discovered my credit report on Transunion which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly
Product: Debt collection

XX/XX/2021 to current XXXX i owed XXXX XXXX XXXXt that amount went to collections with lvnv fund i paid lvnv fund they removed from my collections but web bank didn't they still have on my credit report won't remove won't update that was paid won't do anything per agreement that i pay it would be removed but i have called emailed disputed nothing changes then i called XXXX they said it would be removed it was to be removed in XXXX but they would make sure was removed still won't remove or update no matter how much i dispute it's illegal that they don't update that i paid as agreed or remove like they promised
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, have 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
Product: Checking or savings account

On XXXX XX/XX/year> my accounts with Bank of America froze and are restricted. I have spent days in the bank, on the phone with the bank and they are not telling me why. They keep saying 24-48 hours to be unfrozen. This has caused financial hardship and my VA XXXX money is in there. Thats how I provide for my family. I can not feed my family or pay bills. This has affected my familys mental health severely
Product: Debt collection

XXXX DOS : XX/XX/XXXX went to XXXX. My Medical Ins Requires I pay {$80.00} copay. Copay was paid to XXXX XXXX XXXX, however, XXXX XXXX XXXX has continued to collect and report on my CR. XXXX XXXX billed was {$570.00}. I paid 2 payments, XX/XX/XXXX & XX/XX/XXXX of {$25.00} each. Which I am due a REFUND. XXXX XXXX XXXX were included in the hospital bill submitted by XXXX XXXX XXXX claim. I pd my required {$80.00} copay. For 2.5 years I've spent hours & hours contacting my Ins. company & XXXX, even conferencing in the 2 companies with myself to resolve this issue prior to it going to collections!! I have made several disputes through XXXX XXXX, including one today, XX/XX/XXXX to resolve. It indicates to contact XXXX directly. I tried on-line today to dispute and appears I have to pay {$19.00} membership. I have previously submitted documents on-line via XXXX XXXX & XXXX. My Credit report indicates marked derogatory. XXXX XXXX owes me a refund of {$50.00} and my Credit reports need the collection removed. This happened before and took 5 years for me to get it removed from my CRs. 
Why does this happen? When you have a copay via medical insurance and are still billed for a service that was contracted and included in the copay??
Product: Mortgage

I applied for assistance with a late payment which occurred in XX/XX/XXXX when I changed jobs. The late payment was due to my pay frequency changing from bi weekly to monthly I also encountered a temporary financial hardship when my XXXX unit needed repair and my vehicle broke down which needed a new battery and starter. The total out of pocket for these unexpected expense was in excess of {$1500.00}. I completed the paperwork to request a forbearance so I could get back on track. The deadline for all documents was provided by XXXX. When I checked the portal where the documents were uploaded on this date, it keep indicating the package was partially completed. The notes left in the portal stated " need one more '' next to the link for paystubs and banks statements. The requirement for these documents indicated a date range of 90 days which was provided. I could never get the XXXX XXXX XXXX on the phone in order to clarify what exactly was still needed. I received notification on XX/XX/XXXX that the request for assistance was denied due to incomplete package. This is not fair considering I could not get intact with XXXX XXXX for help. Since I could not make contact by phone, I left a message in the secure portal specifically asking for clarification on her statement " need one more ''. I never got a reply. In addition, I don't want to be charged for an appraisal on my house since the request was denied for a incomplete package. I have been getting letters constantly about this. They can send letters to my house but never available on to speak live on the phone. XXXX  XXXX was sued for actions just like this which lead to illegal foreclosures on customers homes. Cross Country Mortgage is patterning the same behavior. In addition, I never got a voicemail from anyone at Cross County Mortgage regarding my request for assistance. They also block their number when they call customers. I know this because I answered these calls and questioned them about this. I was was told they have no control over what the caller-Id shows.
Product: Money transfer, virtual currency, or money service

I sent a Invoice using Square Invoices to a client that paid and is receiving consultation from my company. Now my Square account is being closed and my funds held for 90 days. Nothing was done wrong my client is completely happy with our services yet Square has closed my account and wont release my funds for 90 days. This is completely wrong and will not be tolerated and I am requesting for immediate release or my funds or i will seeking litigation and contacting the DA office as well.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late closure, included in bankruptcy proceedings, and listed as a public record. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. 

Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. 

Furthermore, the inclusion of my account in bankruptcy proceedings is entirely unwarranted and devoid of factual basis. I have diligently managed my financial obligations and have not filed for bankruptcy. This false representation has subjected me to unwarranted scrutiny and jeopardized my financial stability. 

Additionally, the listing of my account as a public record is deeply concerning and constitutes a violation of my privacy rights. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. 

I demand immediate action to rectify these egregious errors, including : Removal of the late closure flag from my account records. 
Exclusion of my account from any bankruptcy proceedings. 
Removal of my account from any public records databases. 
Issuance of formal apologies for the distress and inconvenience caused by these inaccuracies. 
Implementation of measures to prevent similar errors from occurring in the future. 
Failure to address these concerns promptly will leave me with no choice but to pursue legal recourse to protect my rights and seek appropriate restitution. I am asking for your assisstance to remove these items in my credit file : XXXX. XXXX  XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX  XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau XXXX report. Please update the filing date and then remove.
Product: Credit card or prepaid card

On XX/XX/2021 I was trying to order a pizza with my existing NON CREDIT Paypal account. Upon checkout, I was not given any warnings nor did I consent to a credit card application. I found out that PayPal signed me up for a new credit card to make the charge. All communication about this was sent to my junk email and I never submitted the appropriate information ( PII, SSN, DOB ). The card was opened and I found out two weeks later from a XXXX XXXX email. Upon realizing this, I immediately logged into paypal - saw this new card, contacted the company, closed the card and the balance. While talking to a representative, I mentioned the confusion and how i was not informed nor was it my intention to open a card. The representative from PayPal responded saying it was probably an add or an auto-checked box in paypal that signed me up and there was nothing I could do to fix the hard inquiry, new line of credit or this because it wasn't really " fraud ''. Incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ), are violating my consumer rights.
Product: Credit card

On XXXX/XXXX/2015 Amex XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent
Product: Checking or savings account

I opened two fraud cases with Bank of America after I was scammed by individuals who took control of another Bank of America owners account. I transferred {$24000.00} to the hacked account over several days and made the final {$6000.00} at a Bank of America branch office. I open a fraud case within 8 hours of the final transfer and before the transfer had cleared ACH. Bank of America failed to freeze the suspect account and allowed the transfer to clear and the scammers to withdraw those funds. I received no relief from Bank of America and feel they failed to protect their customers from fraud in this case. I feel the banks anti fraud systems should have flagged the unusual activity on the high jacked account and should have prevented this string of events from occurring. Bank of America replied to my 2 fraud complaints stating the bank completed the transactions per my request and did nothing wrong. I need Bank of America to explain how an elderly owners account can be taken over by scammers and unusual activity failed to trigger their anti fraud processes. XXXX XXXX XXXX XXXX and need some explanations in this case. Thank you
Product: Debt collection

I have received dozens of phone calls from McCarthy, Burgess & Wolff claiming that I owe XXXX XXXX a balance. I have repeatedly told them that I do not owe XXXX anything. They accuse me of not returning equipment. I have repeated told them that I have no equipment and that it was all hand delivered to my XXXX Account Manager. They told me without proof, I was liable for the charges. I have, on three different phone calls, conferenced the XXXX Account Manager into our conversation. The XXXX Account Manager has told McCarthy, Burgess & Wolff, each time that I do not owe the money but that it is credit approval issue at XXXX and the problem will get resolved by them. 
McCarthy, Burgess & Wolff has begun calling my daughters cell phone informing her that I am in collections. I want the phone calls stopped or I will begin my own legal pursuit seeking damages.
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.
Product: Credit card or prepaid card

The company has restricted my account my balance was over my credit limit. The balance was at {$2200.00} when they offered to unrestrict my account for three consecutive payments of : Offer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was unable to comply here is an account of what I was able to do. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX Now to today I am below my credit limit on the after making another XXXX payment for XX/XX/XXXX and XX/XX/XXXX the account is XXXX. I have asked Capital One if they will provide a new offer to unrestrict the card. They have refused. I have asked for the account to be closed and we negotiate a charge off. The specialist informs me that I would not be able to negotiate that unless I did not pay on the account for a 180 days. As a consumer I would like to work with them to come to some accord that would be equitable for both parties but they will not negotiate or work with me at all.
Product: Vehicle loan or lease

I have a loan with MERCEDES BENZ FINANCIA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.