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

I file a dispute on XX/XX/19 with Experian on some names on my credit report and on the the XX/XX/2019 I got a response back from Experian showing that the names has been remove and deleted from my  report but today I look at my credit reports and it's still reporting the 2 names that I got deleted and I call Experian and the rep XXXX got a attitude on the phone with me because I show him poof of the 2 names been deleted on my report but he is saying that they can not remove names off my report because credtors is reporting them names got deleted well I told him that's the hold thing why I wanted it off my credit reports because I go by XXXX XXXX XXXX., ... And I told him do he know how many XXXX XXXX XXXX and XXXX XXXX are in the United States ... .. And I don't know nothing about these accounts reporting XXXX XXXX XXXX ACCOUNT # XXXX .... XXXX XXXX ... ACCOUNT # XXXX XXXX XXXX XXXX another account that I have gotten off XXXX and XXXX for report false information XXXX XXXX ACCOUNT # XXXX I HAVE no idea who are these accounts I had bad credit all my life and never applied for no credit in a while so how is all these items is on my credit report it's call fraud EXPERIAN no it but won't fix they just wan na make a few bucks off a poor man like me but I got screen shots of everything if I got ta take y'all to court
Product: Money transfer, virtual currency, or money service

I made a purchase using my Paypal account on XX/XX/20. It was a purchase made via a XXXX ad. I later read through some of the comments and realized this was a fraudulent seller and I should cancel the transaction. I sent an email to the seller and it came back as undeliverable. I contacted PayPal to dispute the transaction on XX/XX/20. I disputed as items not received. On XX/XX/20 I received an email from PayPal that my claim was denied and the items had been delivered. The tracking info they provided said the items were delivered on XX/XX/20. This is before I made my purchase! They have denied my claim and I am unable to speak with anyone. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Product: Checking or savings account

I had XXXX in my cash app. I then addedXXXX dollars for XXXX total. When I swiped my card at XXXX 3 minutes later it was declined and the XXXX then deducted to XXXX left. 
Cash app stole stole XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.
Product: Credit card or prepaid card

My basic complaint with care credit i.e. synchrony bank is that they resolved the dispute in my favor in XX/XX/XXXX then continue to bill me and now they are saying they resolve the dispute in the providers favor - here is a synopsis : XXXX XXXX XXXX XXXX Care Credit Rewards MasterCard Account # XXXX XXXX XXXX initially opened a quality of service issue on XXXX XXXX, XXXX for the full amount of the charges because the XXXX XXXX received at XXXX directly resulted in her suffering and death. 

Documentation dated XX/XX/XXXX stated that the result was in XXXX favor. This also said they consider the matter closed. 

XXXX called Synchrony Bank on XX/XX/XXXX to confirm status of dispute and was told yes she would have a XXXX balance when the full amount was charged back to merchant. 

XXXX received a bill in XXXX from Synchrony Bank. Alarmed, she again contacted Synchrony Bank on XX/XX/XXXX, and was advised by a male who identified himself as a manager that yes when merchant was charged back she would indeed have a XXXX dollar balance. 

XXXX continued to receive bills from Synchrony Bank and calls from collections. She was grieving and these calls were very upsetting. When she explained to the call center workers, they told her the collections department does not communicate with the dispute department. In XX/XX/XXXX XXXX sent the letter from Synchrony Bank stating the dispute was resolved in her favor back with the bill and a letter asking them to communicate and stop billing and calling. The bills continued and Synchrony Bank stopped the calls at XXXX request. Because the bills continued, in XX/XX/XXXX XXXX sent via certified return receipt, the paperwork Synchrony Bank sent her back to Synchrony Bank, XXXX received two documents on the same day -- one dated XX/XX/XXXX saying they received her dispute request and that they would investigate. This was confusing. The other document dated XX/XX/XXXX said they had resolved the dispute in the providers favor. This was very upsetting. 

It appears that there was confusion because there was a misunderstanding regarding a refund the XXXX XXXX XXXX XXXX Hopsital made to the care credit account by communicating with care credit. 

XXXX sent a letter to XXXX regarding their desire to refund {$290.00} on XX/XX/XXXX by certified mail. I have enclosed copies of the envelope dated XX/XX/XXXX and the letter. 
This refund has absolutely nothing to do with the quality of service issue which the dispute was about. XXXX would like the resolution in her favor for a full refund to stand. She needs closure. XXXX died on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Credit beraus have in my credit report acount, information of my XXXX XXXX They are confusing me with him and are putting all this debts, auto loan, collectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all this things that are showing on my report belong to my XXXX XXXX and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX  accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX balanced {$0.00} XXXX XXXX XXXX XXXX balanced {$10.00} XXXX  XXXX XXXX balanced {$0.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN : I XXXX XXXX XXXX COMPLAINT TO THE FOLLOWING PARTIES ( XXXX, XXXX AND TRANSUNION ) ABOUT UNAUTHORIZED HARD INQUIRIES AND ACCOUNTS ON MY CREDIT. I WROTE TO THE PARTIES MULTIPLE TIMES AND NONE OF THE PARTIES ANSWERED NOR RESPONDED TO MY REQUEST. I WILL BE ATTACHING COPIES OF THE BRIEFS I SENT TO EACH PARTY INCLUDING DATE, ACCOUNT NUMBERS AND ETC. SO TO WHOM THIS MAY CONCERN MAY ANY OR SOMEONE RESPOND TO MY REQUEST AND I SURELY APPREICATE YOU AND THANK YOU XXXX XXXX XXXX
Product: Checking or savings account

I am writing this as a formal complaint regarding multiple overdraft fees while there was sufficient funds available.This issue seems consistent with findings report to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX XXXX XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor XXXX XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX
Product: Money transfer, virtual currency, or money service

Hi, I write to you, because I have ran out of options. I have tried contacting Coinbase over 9 times via email and over there XXXX customer support. They have a telephone number but its completely useless. There customer service is the worst Ive ever seen. They are a cryptocurrency exchange company, one of the biggest in the world, but in my opinion they are committing fraud on hundreds of people. And they get away with it because of there terrible customer service. I started investing with them in XX/XX/XXXX, I invested in XXXX and XXXX currency. I have invested over {$1000.00} with them, but on XX/XX/XXXX, I traveled to XXXX for vacation, and all I did was open there app to check the value of my coins, and pfff just like that, as soon as I arrive to the states which was on XX/XX/XXXX, they had blocked my account because of my travel to XXXX. Account has been blocked for 2 months, and there is no help in sight. They always come back with the same response, we are working on it with a specialist. Really?? For 2 months?? This a multi million dollar company, and what they are doing is fraud. I have over {$1000.00} invested and in XXXX day they stoled it from me. its not right. It does not take 2 months to unlock some ones account, for something so stupid like traveling to XXXX. and like me, there are hundreds of people, and the only people getting there account open are people filing a lawsuit. I ask for you help, because I guess im a small fish in a large pond, and I do n't know what else to do, besides filing a lawsuit or traveling to XXXX XXXX and knocking on there door. The current value of my currency are close to the {$1500.00} mark. It fluctuates on a daily bases. All I want is my account to reopen and I have access to it. I understand you guys are extremely busy, but I beg of you for your help. 
Thank you
Product: Credit reporting or other personal consumer reports

I recieved a letter from the debt collector that wrongfully put incorrect info on my credit report. Please see letter as verification. I ask toremove incorrcet information ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a withdrawn Federal tax lien still showing on my report that was withdrawn in XXXX of 2017. I have disputed this with Equifax, providing Equifax with copies of the IRS lien withdrawal forms ( which I will also attach here for you ). I have also verified with each county that the lien withdrawal was recorded ( see Massachsuetts-XXXX XXXX Registry of Deeds Book XXXX, Page XXXX ). Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX XXXX # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXXXXXX XXXX XXXX  # XXXXThis account is listed erroneously.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute and request immediate action regarding an inaccurate auto loan that has been re-added to my credit report by Equifax. Despite this account being previously removed, it has now reappeared on my credit report, which I find unacceptable and damaging to my credit standing. 

The auto loan in question is with XXXX XXXX  and it was resolved and removed from my credit history on [ XXXX XXXX AND BACK ON MY CREDIT XXXX XXXX I do not have any outstanding balance or obligation related to this account, and its reappearance on my credit report is a clear mistake. 

I kindly request that you : Investigate this matter immediately. 
Provide a written confirmation once this erroneous account has been removed from my report. 
Ensure that no negative marks associated with this loan are impacting my credit score. 
I have attached copies of relevant documents, including previous correspondence regarding the removal of the account and any supporting records to verify my claim. Under the Fair Credit Reporting Act ( FCRA ), I expect a timely investigation and correction within the XXXX period as required by law. 

Please acknowledge receipt of this complaint and update me promptly on the status of the resolution. I trust this issue will be handled with the urgency it requires, as it is affecting my financial standing. 

Thank you for your immediate attention to this matter.
Product: Student loan

My account was transferred to this new agency and at the time I received my new balance the balance was thousands of dollars more than what it c was worth the previous agency. Covid indicated there were to be no interest in the loans but this DID NOT take place IT WAS ADDED. I asked the agency why it was so high and they blamed it on the previous agency I need a breakdown of the last year balances and any fees and /or interest to state where all these fees came from. I need them to be removed as per the law states due to the pandemic there were to be XXXX INTEREST!!!!. Great lakes is the agency it's with now
Product: Checking or savings account

Stop treating your call center agents like Gods, and stop apologizing because that's a shortcut to a lethargic attitude, and take accountability for their disservice. Stop payment falls under a basic service provided by banks, but your call center operators either do not know or do not want to provide the basic service to customers. 

I made a payment from my XXXX checking to my Capital One credit card. I called the bank and asked to put a stop payment on that. I spoke with a checking account manager ; she could see the payment on her screen. She transferred the call to your claims team and the phone operator from the claims team could also see the transaction. 

But then, when I spoke with a manager from the claims team, she said she can not see the transaction and asked me to contact the credit card department to place a stop on the payment that was generated from my checking account. Credit card department has no control on my checking account but the claims manager said otherwise. I was also told that my checking account and debit card are two separate entities. 

This is just next level insanity. I understand XXXX people have difficulty understanding English language but if they can't provide the basic services to customers, then why have your call centers in XXXX!? 

Listen to all the phone calls from today with XXXX and XXXX ; these people have fancy English names but can not provide service because either they don't understand English language or they just don't know how to do their job right. Instead of taking the shortcut apologizing, justify what happened on those phone calls from today. 

XXXX XXXX is an eye witness.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the equifax breach has cost me my life they are taking more than 30 days not 100 % correct
Product: Debt collection

In accordance with the Fair Credit Act, the list of accounts below have violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX ; XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX ; XXXX 15 U.S.C 1681 Section 604A states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2 states it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any other 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.
Product: Credit card

XXXX XXXX I made a purchase via XXXX for a sum amount. Everything was processed and went through everything was fine until i noticed a week or two later i went to login to my account with Truist to check the statement and monthly payment for said transaction and i was locked out. I call Truist customer service and come to find out my account was under review for fraud. Never once was a phone call, email, or letter by mail issued to me notifying me of this. Fast forward forward a couple day i contact the fraud team at Truist and they said account has the potential to be closed. Fast forward to today XX/XX/year> i was told my account was closed with Truist and legally they dont need to tell me of this activity on MY account and Im still required to make payments on lump sum transactions until its paid off via by mail or over the phone because my online banking is shut down. I feel as if something like this was an issue they should have to at least notify me or ask me if this transaction was verified by me not just close my account and i have to find all this out by calling
Product: Vehicle loan or lease

I purchased a vehicle in XXXX and got a loan through Wells Fargo. I was living in XXXX at the time. I later moved to XXXX XXXX and re registered the car there. The loan was paid off around XXXX. Wells Fargo has clouded the title to my vehicle ever since then. I have asked them to electronically release the title with XXXX on several occasions but they refuse to. They then provided me with a lien release. XXXX  will not accept this as the title must be release electronically. I have called Wells Fargo several times. They keep stating that XXXX XXXX said that XXXX just needs to transfer title to XXXX XXXX. XXXXXXXX will not do that as they need the lien released electronically. I sold the vehicle not realizing all of this. The new Buyer wants to register it in XXXX  and can not do so without the lien released from the title. I have now had to repay {$1000.00} to the Buyer of my vehicle because of Wells Fargo 's refusal to release a lien that I paid off over 10 years ago and have proof of payoff for. They are holding my vehicle hostage.