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

Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your credit report. "
Product: Money transfer, virtual currency, or money service

i had my cash app account hi jacked, i was unable to reach cash app, theyt had no phone number at the time, no XXXX hour emergency service, no way for me to contact them when i knew that my phone was stolen and i immedietly needed to contact them. this happened in XXXX  and i have sense been locked out of my own account. no matter how many people i talked to at cash app i recieved the same response, disconected from the call or an email saying they cant help me and it is what it is. basicallky saying they are not going to cinduct business in a lawfull manner. i had to file a claim with cfpb case number XXXX in order to get some assistance. after i filed this claim cash app quickly addmitted to there error and credited my account then proceeded to close my account. the amount given was not accurate and they gave me USD but this is not what was stolen, bit coin was stolen and this is what i requested to be returned. my initial cash investment according to the account history was XXXX USD XXXX XXXX  is what i purchased and is what was stolen.cash app recently admitted to fault and credited me only XXXX USD I'm not sure of how many XXXX  that is. but i know the value of XXXX SAT is today worth XXXX USD and that is exactly what was stolen, and cash app negligently allowed for someone to access me, not provide me with any platform to communicate with them on other then delayed email resposes from them transfering me around and a automated emailer with generic emails.
Product: Checking or savings account

Since I opened my deposit accounts with Chase in the XXXX of XXXX, I have formed the opinion that the company is systemically out of compliance with Reg CC, governing the time in which funds from check deposits must be made available.

Nearly every check I deposit has a 14-day hold placed on it, whether it is a personal check, corporate check, and even US treasury checks and postal money orders. This has happened consistently with both my business checking and personal checking accounts. Each hold must be resolved individually, by phoning up the bank 's operating loss prevention department and waiting on hold for multiple hours -- on one occasion I went for a XXXX run to the sound of their hold music in my headset. In most cases, they are able to verify the authenticity and collectability of the check within minutes and make the funds available, but on one occasion I was recently told that a postal money order could not be verified because the agent couldn't find a phone number for the US Postal Service (! ) though she conceded that she could find an official web site to verify money orders, that wasn't good enough for Chase. She also told me in direct contravention of Reg CC that Chase treats postal money orders like " any other check. '' Two days later with the money order still on hold, a different agent was able to release the funds with no explanation for the delay. On another occasion, even after verifying the check with XXXX XXXX XXXX ( the bank upon which the check was drawn ), Chase insisted on getting the maker of the check on the phone to voice-verify that she had indeed written me this check. ( As an aside, I'm lucky I learned the term " maker '' in law school, because Chase 's agents seem consistently unable to use vernacular language to describe the process ). 

Reg CC and the FDIC 's explanatory materials for bankers make clear that the obligation is on the bank to cite a specific reason for a deposit hold beyond the same-day or next-day availability required by the regulation, and to be able to justify that hold with articulable reasons. Instead, each time I have called Chase to inquire about the reason for a deposit hold, my requests for an explanation of why they are uncertain the check is collectible have been summarily ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has fraudulently been using my identity for XXXX XXXX. I disputed the aargon agency fraud but they refused to remove it and said it was accurate. I went to the hospital and requested documentation of the persons who authorized service at the emergency room and they refused and said they don't need to provide a signature or the original documents. I then filed a police report for fraud and sent it out to aargon agency, the hospital, and XXXX. They still refuse to remove it from my credit report. Please help
Product: Money transfer, virtual currency, or money service

CashApp closed an account I have maintained in good standing for 5 years for violations of TOS that are not explained or provided. I thoroughly reviewed TOS today, and have no violated any clause whatsoever. I'm not sure what triggered this, I removed old XXXX links to my CashApp card today, sent a payment yesterday on an account I needed to update - because we can only list one card at a time. When I was finished, I reconnected the original card. All are accounts I am authorized to use. Perhaps that triggered an inaccurate fraud pattern? I filed an appeal, but I am upset that 5 years of thousands of transactions did not warrant a flag to speak with someone as opposed to complete closure. The bottom line is, I did absolutely nothing wrong, and in no way violated the TOS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, Mariner Finance made initiated hard inquires on my XXXX credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. Mariner Finance sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding Mariner 's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. Mariner Finance was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX  ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.
Product: Credit card

Synchrony/TJX Platinum Mastercard closed my account without my approval citing too many accounts with high balances and a Collection Account which was Utility based with {$100.00} Equipment Fee which is currently being disputed and was fraudulently opened under my name constituting identity theft. If they do not comply with my request to reopen my account, I will report them to the SEC and FTC for not complying with the regulations that are set forth by the US Government and its corporate fiduciaries. They are currently writing off my credit card debt on a monthly basis and not providing me with anything in return as they have been using my wet signature credit card application as collateral and have been selling it on the primary and secondary markets. They also used my Social Security number without the proper Government paperwork being completed and authorized by me which constitutes Identity Fraud.
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer report. The following falsely reported inquiries are XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX RESIDENT VERIFY Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with them, Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Product: Debt collection

( " He '' is a general " Wakefield he '' throughout. ) I am not the professional. I could be wrong but my report and his/my line item ( s ) make me squint. 
In Summary : I can look back now and see the same account he's reporting currently, when it was fairly new 2021, still showing in my XXXX, since it was more appropriately reported as " flagged as unpaid '', not to collections ( and certainly not to both, if I could get that fixed please? I just need 1 to 1 reporting ) as a {$540.00} medical debt. To be clear, Wakefield filed it on my XXXX but I don't want to pay them {$25.00} a month so the only place I can see where they " flagged my account as unpaid '' is on my XXXX app under the alerts.. Anyway that debit was just an XXXX visit, for a XXXX XXXXXXXX, mostly to document my ex slamming it into asphalt. {$540.00} is XXXX for what I got, which is the reason for my initial dispute through XXXX. I just requested validation, verification, and everything to be itemized so I could get it off easy peasy probably. 
Anyway now I'd like to know when the very dry ink morphed, id like to know if its legal for something already posted as an open collection and with an unpaid balance stated clearly to then be re-posted to the same report almost immediately thereafter to simply " flag unpaid debt ''?

So date correction, remove a listing, those asap, then we can get down with the waiting and fix the weights and get cost down and hopefully take the whole thing off, and possibly throw in one more request to pay more attention for the love of XXXX.
Product: Credit reporting

BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.
Product: Credit card

I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. 

About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. 

Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a collection from Diversified Consultants regarding an alleged XXXX debt. I do not owe this debt and this debt does not belong to me. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing they are licensed to collect debts in [ my state ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If the company continues attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. In XXXX my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXXXXXX XXXX XXXX XXXXXXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit Breau reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an amount of {$420.00} since XX/XX/2019. I was told that while in dispute, the account would be frozen and I owed nothing towards it. The charge was made without my authorization and the dispute was denied and I basically still had to pay the amount. I was never notified that the dispute was closed & had to call to check on the status. When I called on XX/XX/XXXX to check the dispute status, she told me the dispute was closed and there was nothing they could do. So I gathered up my funds ( while living on u employment & my husband nearly XXXX in the hospital after an accident XX/XX/XXXX XXXX & paid the amount off IN FULL 2 weeks after I found out. They reported my account as being past due and put a late payment on my credit report. Dropping my score 65 points & seriously damaging my score. I have never ever missed a payment before and had a 100 % payment history. 
They have repeatedly denied my request to remove the late payment off of mine and my husbands credit scores, even though the account was paid in full right after I found out the dispute was closed. I have been hung up on, yelled at, & have been made to feel like Im an XXXX over and over. 
When I try to call, I can never get anyone who can make any sense and they either hang up on me or submit a dispute w the credit management department and I never hear back. I have written 2 letters to the credit management department explaining that we were  in complete and total hardship since my husbands accident, XX/XX/XXXX & trying to explain that I didnt know the dispute had been closed. The payment shouldnt be considered late when I never even knew the dispute was closed until I called. The last supervisor I spoke with finally went back to the XX/XX/XXXX conversation and saw the proof that I did in fact find out that day about the dispute being closed. Then you can see I paid it off in full 2 weeks later. 
All I want is to have the late payment removed from my credit report and my husbands credit report. Weve already paid the unauthorized amount and just decided to suck that up, which was already ridiculous. This has been a nightmare and they are an infuriating company that sweep things under the rug and dont help at all. One of  their customer service reps even called me a liar.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint regarding the deceptive sales practices I experienced with One Main Financial. During my past interaction with your loan company, I was misled into signing up for optional products that I did not fully understand or consent to. The representative informed me that I could not proceed with my transaction unless I signed up for these additional products, leading me to believe it was mandatory when in fact it was just an option. 

I feel deceived and taken advantage of by this deceptive sales tactic, and I demand immediate action to rectify this situation. I request a full refund for the optional products I was tricked into signing up for without my full knowledge or consent. 

I trust that you will take this matter seriously and address it promptly to ensure that other customers are not subjected to similar deceptive practices in the future. 

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

I am submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : 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 Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Creditor have the wrong amount on my credit report when it was sold.
Product: Student loan

Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). 

XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. 

The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. 

CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.
Product: Credit reporting

Experian did not send me validation of a debt they updated on my report in which I have no knowledge of. They told me to contact the creditor which is their job so they are trying to brush it off on me which is a violation of my rights. They seem to stall the process of my disputes. I am also not aware of any accounts with   XXXX   XXXX   XXXX   XXXX   and they are the only bureaus reporting this inaccurate information. They are reporting these as negative collection items on my report and are also reporting these as open. They also have different reporting fro m one year to  the next. This is clearly a major violation of the FCRA.     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX  and  XXXX
Product: Debt collection

I pulled my credit report via my Experian account on XX/XX/XXXX. I noticed a single derogatory Collection account from XXXX XXXX. I filed a dispute with Experian via their online dispute center and after 2 days they have " validated '' the account. I've never opened an account with this company or the debt they represent. I was not given any written proof of their findings as required by law. The account alleges to have been opened on XX/XX/XXXX yet I have no credit inquiries on or around that date. No inquiries in the month of XX/XX/XXXX at all.