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

Over the last 3 months I submitted and sent in numerous dispute investigations to XXXX, XXXX, and Experian about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : TransUnion : XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} XXXX : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} Experian : XXXX XXXX   {$1800.00} XXXX XXXX XXXX  {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX reports an invalid debt to the credit bureaus and I am 100 % XXXX XXXX. XXXX XXXX XXXX never sent me any letter as by FCRA and FTC Federal Law stating this was my account or that an account was in collections or charged off so I have no way of validating the debt. The credit bureaus always side with XXXX  XXXX XXXX since they pay for a trade line to be reported and the credit bureaus make money from them. I am filing this final dispute if it is not deleted from my credit file immediately before I also lodge an XXXX XXXX XXXX XXXX XXXX  ) complaint against XXXX XXXX XXXX for taking advantage of this situation. I kindly ask the tradeline be deleted since XXXX never sent me evidence the account is mine and I have a XXXX XXXX which XXXX  causes my XXXX to become worse which this is causing.
Product: Credit reporting or other personal consumer reports

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Product: Money transfer, virtual currency, or money service

I have contacted paypal executive office multiple times and filled XXXX  complaints against paypal. paypal is holding my money and not allowing me to login to my paypal account. Paypal has replied stating that they see I can login to my Paypal account without a problem. This is completely not true. I keep receiving the message, " for security reasons you will need to reset your password. '' Paypal is purposely ignoring me and not helping me. This is criminal action for Paypal to play games like this and prevent me from being able to login to my account to withdraw my money.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no idea about this, and the company did it without my authorization.
Product: Money transfer, virtual currency, or money service

I called and emailed Coinbase in regards to selling and/or transferring my Bitcoin and Ethereum cryptocurrencies and eight months later the problem hasn't been solved. Also, I have USD currency in my account that I can't use to purchase cryptocurrency and/or transfer to external accounts. Coinbase keeps telling me they will assign a specialist to my case, they've assigned one six months after I filed my claim and he was unable to solve the problem. As of today, my situation hasn't changed but my account value has dropped by {$15000.00} USD.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

Ive asked for dates of service from original place I received treatment. Three accounts have no name or account numbers. Very little information to go on. I have one bill that the Veteran Affairs is going to pay. I told them that and they still put it on my reports. I was XXXX XXXX and CBC is really getting to me. I have XXXX bad.
Product: Checking or savings account

IM FILING A COMPLAIN WITH THE CFPB REGARDING CAPITALs ONE FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY EMPLOYER AND ANY-OTHER INCOMING DEPOSIT. CAPITAL ONE HAS CITED TECHNICAL ISSUES WHICH MAY VIOLATE THE ELECTRONIC FUNDS TRANSFER ACT AS IT REQUIRES TIMELY ACCESS FUND. THIS SITUATION RAISES CONCERNS ABOUT CONSUMER PROTECTION LAWS AND I REQUEST YOUR ASSISTANCE IN INVESTIGATING THIS MATTER TO ENSURE MY RIGHTS ARE UPHELD. THANK YOU
Product: Mortgage

Our loan was sold to XXXX XXXX by mortgage solutions of Colorado. However we werent told who to make payments too until XXXX and the loan was sold in XXXX. As soon as I found out who to make the payments too I sent both payments at one time to catch it up. Now it is showing on my credit as late payments.
Product: Debt collection

XXXX XXXX calling random people I may be affiliated with.
Product: Checking or savings account

My XXXX XXXX XXXX passed away on XX/XX/XXXX. they bank was notified, i traveled to his state of Florida, were a banker advised me he had no beneficiary assigned. 
Probate case was closed XX/XX/XXXX I sent the required documents on XX/XX/XXXX I was told they were received XX/XX/XXXX and to give the department about 2-3 weeks before i followed up. 
I called XX/XX/XXXX and was advised they received the paperwork but were still processing it. 
I received a letter saying that they needed my letter of administration to proceed proceed on XX/XX/XXXX for XXXX accounts, best i knew there were XXXX and the bank NEVER even added the third account on any correspondence, hence my lawyer did have the information to pass on to the judge. 
I called XX/XX/XXXX spoke to XXXX and was told that the paperwork was 3/4th the way processed and from that conversation it was figured out that the letters of administration needed to be notarized. keep in mind the letter came straight from the lawyer in Florida who deals with probate and banks all day. i faxed the NOTARIZED letter to the bank XXXX/XXXX/XXXX. 
I called on the XXXX to confirm the letter was uploaded and XXXX informed me they had not received the fax, they were backed up and to give them a few days. 
i called back XX/XX/XXXX spoke to XXXX again, she claims they still were waiting on the fax, i ask for a mailing address and she suggests to resend the fax. i resend XXXX. she takes my number and assures me she will call me when she receives the fax. 
I called back on XX/XX/XXXX spoke to XXXX, he also told me neither faxes have been received but he would take my number and call me when it did. 
i asked him if there was another department, or number, or address that I could contact besides a call center where my calls are not noted, and unfortunately this is just how they do business. I would like to know who holds this department accountable because right now there is nobody i can really get any information from, I have no timeline and i have no way to properly get the letter of testament to the bank. they are incredibly hard to work with and in order to get any information about the so called XXXX account i would need to pay my lawyer an additional {$5000.00} to reopen my case. 
but I cant even get an answer of what happens from here or a timeline because according to CITIbank I still haven't given them the TIME SENSITIVE document they require. 
every time I call its like reliving the death of my father, closing his accounts should not be this time consuming, stressful, and painful.
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to see that my credit report suddenly had incorrect accounts on it, with no explanation. I check it regularly, and never expected to see these discrepancies. I tried refreshing the page, thinking it was just a glitch, but the errors were still there. Im asking that my documents be carefully reviewed so I can stop worrying about this issue once and for all.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp 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 acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX XXXX  This account has resulted in a fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

By my estimation, 99 % of my debts were paid off in XXXX, yet XXXX is reporting a low FICO score for me of only XXXX because it says that I am using 69 % of my available credit. I am using probably less than 1 % of my available credit due to having paid all of my debts off in XXXX with a divorce settlement. I need my FICO score to be higher so that I can get a better mortgage loan to buy a condo. My home of 33 years was recently sold, so I am " homeless '', so to speak. This is a very important issue for me as a single woman. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered what do you {$47.00} through XXXX 's website for clothes to my son late XXXX. I contacted when I never received the order. I was credited the amount of the order on to the XXXX 's credit card which is held through comenity. That was the only purchase that was on at card. There was no forwarding balance therefore when that credit was applied. It took my balance to {$0.00} so the credit card company charged my account a {$29.00} return payment fee for an account that had a {$0.00} balance. I tried contacting the credit card company and I got absolutely nowhere except being placed on hold or hung up on, When I Explained the situation and would ask for an explanation as to how I get charged a return payment fee for an account that has a XXXX balance. Provided all documentation showing the credit before the payment due resulting in {$0.00} due. I submitted a XXXX  complaint paid the fee as to not occur any more fees while awaiting am answer as to my complaint of which I have not received thru the XXXX  complaint or thru the inquiries I have submitted thru their website. I waited until the due date to make the payment. Now they are attempting to charge a late Payment fee. This is getting out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my payments to Santandar Consumer USA because I XXXX XXXX XXXX back the in Summer of 2016. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XX/XX/XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use Santander Consummer USA for any type of loan or banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XX/XX/2017 to have XXXX, Equifax & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I placed an security freeze on my file with XXXX XXXX XXXX. On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report on XX/XX/year> and noticed many many inaccuracies on a closed account for XXXX XXXX Account # : ( XXXX ), the account recently closed in XXXX but is still reporting inaccuracies which is causing a detriment in my score and credit report. I was even given back my {$200.00} security deposit from when I started the secure credit card to my knowledge of good standing with the creditor. I have never missed a payment with XXXX XXXX, especially since the closing and now they are reporting inaccurate late payments, inaccurate reporting, and causing negative effects on my score. I would want nothing more than to remove this account from my credit report and stop reporting to my credit report.
Product: Credit reporting

Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
Product: Credit card

I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.
Product: Vehicle loan or lease

Took out a auto loan with option to send in title or just leave it as a personal loan at a higher interest rate. I decided not to give the title and take higher interest rate. I defaulted on the loan and Wells Fargo reported it as a auto loan repossession on my credit report! I was unable to purchase a car because of this.
Product: Debt collection

individual keeps calling my work number telling my co-worker that a warrant for my arrest has been issued.
Product: Credit card or prepaid card

Someone steal my credit card information to make online purchase and even steal store login information as below : Date : XX/XX/2023 at XXXX XXXX ET Online Store : XXXXXXXX XXXX XXXXXXXX Amount : {$130.00} I called card issuer to claim this purchase not made from me around XX/XX/XXXX at XXXXXXXX XXXX and issuer sent me a replacement credit card and research my fraud claim. I also got email from XXXX XXXX XXXX XXXXhat my order was on the way by XXXX at XX/XX/XXXX at XXXX XXXX. I chatted with XXXX XXXX XXXX  late night to stop shipping this order coz I didn't make this purchase but it seems can't stop anything due to goods were processing. I got email today at XX/XX/XXXX at XXXX XXXX  that order has been delivered!!! It's really made me upset.
Product: Checking or savings account

XOOM.COM ( XXXX ) has taken money from my checking account for who knows what that was not authorized. Furthermore, there are numerous other indications of withdrawal attempts, which may or may or may not have gone through ... .amounts ranging from {$150.00} to {$430.00} ( 8 that I am aware of so far ). Two have these withdrawals have shown up against my XXXX XXXX account and for the time being they have redeposited the funds. I have not been able to determine what is the result of the other at least attempted withdrawals. XOOMXXXX has indicated a " Transaction Fee '' for all of these Withdrawals ( attempts ) so they are definitely making money off of these phony activities. .A reoccurring name associated with being the recipient of these withdrawals is a " XXXX XXXX ''. I have contacted XOOMXXXX but have not heard back from them. I also requested a termination of my account as obviously they have no protection against a criminal enterprise even if they are not a purposeful party to it. I do not believe I had these issue prior to XXXX becoming XOOMXXXX
Product: Credit card or prepaid card

There were XXXX unauthorized charges of {$500.00} made on XX/XX/2021 through XXXX for XXXX XXXX using my debit card. We immediately contacted Chase Bank and they began to research these charges. On XX/XX/2021 they sent us a letter stating that the transactions were processed correctly or authorized and withdrew the {$1000.00} from our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at a copy of my consumer report and noticed some late payments being reported by XXXX XXXX XXXX by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so I ask that the late payments on the account are updated to show OK or Paid as agreed