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

I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.
Product: Credit card or prepaid card

As of XX/XX/XXXX, I have received a copy of my credit report and noticed there was a fraudulent credit card account opened in my name. The account was opened in XXXX of XXXX. This account has missed payments as it is affecting my approval chances. It is reflecting to my credit report negatively.
Product: Checking or savings account

I have Spent many hours on the phone with USAA trying to attain a digital XXXX or XXXX/XXXX  version of my entire Account history or at least the last 7 years. I'm simply referred to an area that only shows the last 18 Months and or I'm required to print out statements or pay {$10.00} a page to have USAA send me each page of all of my statements. We are in 2021, I know this is possible as I used to be able to complete this on my own and at my own request on my USAA page. I can guarantee if it was the government requesting it, USAA would make this happen. I need this documentation as well as in a digital format that allows me to filter and search the product.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed that I had fraudently activity on my report, Please remove these accounts from my report, they are hurting my ability toobtain credit.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXX of XXXX, I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX, XXXX. She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a XXXX  IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/2022 and Last date of Transaction XX/XX/2022. The total amount of money deposited was $ XXXXShe then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent XXXX IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX  XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account CREDIT MANAGEMENT is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship. Furthermore, there customer service is XXXX and their command of the English language is limited at best, along with the capabilities to resolve consumer issue in the U.S. A complete horrible experience attempting to resolving these type of situations.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to XXXX  XXXX to get some help with the problem that I am having with a company by the name of Lendmark Financial in XXXX, XXXX and was referred to reach out to you. 

I am not working right now, and I have been trying my best to inform them of what the status is. 

First, I want to start off by saying that I reached out to the corporate office about a complaint, that I made on the manager XXXX, he was very rude and races, they did correct him on that, but he still has been harassing me about the payments. As I explain to him why you are calling me every day and texting when I am trying to find a job and get this matter cleared up. I told him that I have other companies that I owe much more money to, and they don't harass me like this. My final straw was when he told me that if I don't make a payment by the end of the month, they were going to place a lien on my home. As I write this letter, I am only 10 days late. I also told them that I had a loan before with them at a different office and was behind much more and they were not harassing me like this. I called them on XX/XX/year> before they called me to inform him that I could not make the payment by the end of the month and that I was borrowing the money from someone and I would have it today, which is Friday, XX/XX/year>, and was told that he had to do what he had to do. I reached out again to corporate and explained to them the same thing that I am typing and asked if the manager would contact me. This time no one has reached back out to me. I informed them that I was going to go to social media to report the harassment that I have receiving. I hope I can get some help with this matter. I will have income after the XXXX from unemployment if I am still not working. I hope that I can get some assistance. 

Thank you very much and I look forward to hearing back from you. I can be reached by email or phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get lvnv funding to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Product: Debt collection

XX/XX/XXXX I received a text from a company claiming to be Zion Debt Holdings that read XXXX... We purchased your past due XXXX XXXX XXXX. Please call us to discuss and resolve. ~Zions Debt Holdings I called because I used to have the service and knew this was in error because I ended service in XX/XX/XXXX. 
They were telling me XXXX sent it to collections for my last payment and now I owed {$110.00}. I asked for a number to XXXX to resolve because it was wrong. I called but it was a XXXX it support number. 
I called Zion Back and told them they had wrong information because I dont owe anything. They told me they could send my billing history and I had to show that I received a letter from XXXX that it was cancelled because they were stating it was closed for non payment which I knew to be wrong. I search my emails and was able to find all my communication from XXXX that the service was terminated by me. 
They continued to tell me they reported to credit bureau. 
The text came from XXXX
Product: Debt collection

On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
Product: Debt collection

Ad Astra Recovery Serv is in violation of practice of usury. According to State Statue for " legal loan interest rate '' Title loans have APR 's of over 200 %. That's fraud by misrepresentation. United States Code 931 ( a ) ( 1 ) Co
ntract is automatically void
Product: Checking or savings account

Approximately 10 - 12 years ago I deposited money into a new account and also had given Wells Fargo {$500.00} for overdraft protection. The employee then made multiple accounts with that money in my name. The bank manager found this out for me* - when I asked for the money back they told me.i wouldn't be allowed to have it. Also they forced me to pay - {$200.00} overdraft ( which should have been protected! ) I never asked for multiple accounts but in the news I saw around that time that Wells Fargo employees were doing this to make their " new client '' quota 's and get bigger bonuses. I was taken advantage of and to this day nothing was done to make it right.
Product: Credit card or prepaid card

ON XX/XX/XXXX Synchrony Bank ( PayPal Credit ) reversed a charge in the amount of {$180.00} that I was charged for a " fake '' merchant on XXXX. I received a letter after their initial investigation telling me that the charge was reversed. But the invoice still shows ( as of todays date, XX/XX/XXXX ), that there is a {$3.00} interest charge along with the {$180.00} charge interest is deferred until XX/XX/XXXX. I do not " owe '' the interest charges cause the charge was reversed, ( see attachments ).
Product: Student loan

XX/XX/XXXX, Navient put a delinquency on my credit report even though I paid on-time. The adverse record, caused serious problems with my other creditors, as my limits were taken away because they saw the delinquency. The removal of my limits, has dropped my credit score. On two occasions, they have gone on my credit report in error. Although one has been removed, it still continues to adversely effect my other creditors, because when they ran the credit report that month, it was listed on my credit. I was not late, I paid my payment, they lied and said that I was late. It is difficult to figure out exactly when my payment is due, and how much was due, so I called and was instructed by a representative on XX/XX/XXXX that as long as I pay my payment by XX/XX/XXXX, that I would be kept from being reported. He suggested that I pay sooner than that date, to avoid late processing, so I set up an automatic withdrawal set to post on XX/XX/XXXX. The money was removed from my account, but they still reported me to the credit bureau. Navient calls me day and night, and sends me letter after letter, even though I told them that I have been recovering from XXXX XXXX XXXX and can not even afford to pay for my prescriptions. I struggled to get the money together to pay them, and even when I did pay them, they still report to my credit.
Product: Credit reporting or other personal consumer reports

I have filed many disputes through CFPB. On all three Credit Consumers on Reinvesting my Dispute Ive Submitted.They reach out to the Creditors and agree with the Creditors and Collection Agencys that either the debt or Collection is mine. After submitting proof. Equifax has failed to do proper investigations on all of my Disputes FCRA. States they must do a proper investigation and they failed at there duty to investigate.
Product: Credit reporting or other personal consumer reports

Ok I signed up for kickoff and I had used them and was in good standing with them until I got laid off so I had canceled my account with them and i dont know what happened on there end but they canceled my other account and they said this was canceled as well. Also it appears from the look of my credit report that they applied for a XXXX  XXXX credit card with my name on it which I have never seeen or recieved from them as well. I can nothing in any documents from them that state that they apply with another company on your behalf for a credit card or anything along those lines
Product: Credit card

On XXXX XXXX, 2016 XXXX submited a credit inquiry on my behalf unauthorized. I found out about the pull on my credit as I am in the process of purchasing a home and going through the mortgage process. I did not know what " XXXX '' was, but 5 minutes of diligence turned up a result that it was PayPal Credit and that the CFPB had taken action against PayPal Credit for similar practices within the last year. They do not seem to have ceased making unauthorized credit inquiries and I am concerned about the impact it will have on my mortgage application process. I do not currently know the damage but it could be significant if the rates on my mortgage increase based on the decreased credit score.
Product: Consumer Loan

I rented the apartment from them. We moved out and we left the apartment clean. They never send me my deposit to me. I want to know why they are still on my credit report.
Product: Debt collection

XXXX has been filing a debt owed through XXXX. I have contacted them multiple times to dispute the debt, everytime they have attempted to contact me I have answered the phone to a dead line which then hangs up on me. 

They are making fraudulent attempts to contact me after I have disputed the debt and continue to claim I owe them when I do not. I have disputed these claims and no effort has been made to establish truth ; only that they continue to pin a debt on me I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I have a debt on my report that is not mine. I disputed the issue but they are saying it will remain. 
It is from an apartment complex that only gives an address. No name. XXXX XXXX. The number provides, no one answers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Failing to Correct Inaccurate Information on XXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX  XXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( XXXX, Experian ) ; {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( XXXX ) ; Not Verified ( Experian, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian, XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX, Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : XXXX XXXX Late 30 Days Experian : Late 30 Days XXXX : Current Creditor Remarks : XXXX XXXX Canceled by credit grantor Experian : Account closed due to inactivity XXXX XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment Amount : {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : XXXX & Experian : Reports a XXXX late payment. 
XXXX : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a XXXX late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate. 
TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness.

Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate XXXX late payment notation from my credit report across all three credit bureaus. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

5/3rd Bank allowed {$4000.00} to be stolen from our account and refuses to honor our claim. Multiple thefts occurred from XX/XX/18 through XX/XX/18. We filed an original claim and that was denied, a dispute letter was filed and also denied. We just recently filed a complaint with XXXX XXXX XXXX. 5/3rd bank promptly responded to XXXX  with the same excuse. 5/3rd bank claims the thefts were made using a card with electronic protection or PID #. Regardless of what method was used the thefts still occurred and the bank allowed several fraudulent purchases to be deducted from our account. 

NOTE : We have been a 5/3rd customer for almost 40 years. The thefts were not promptly noticed due to health issues at that time. 
Our last contact was with : 5/3rd Dispute Resolution Department ; XXXX XXXX ( Office of the President ) PH : XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX , Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse 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 ) 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 or other personal consumer reports

A while ago, I had an issue with XXXX XXXX  XXXX. 

The account was charged off in the amount of about $ XXXX, and it was submitted to ChexSystems . 

I have since paid off that charge off, now that I was able to get into a better financial situation, and I had asked that XXXX XXXX XXXXXXXX remove my information from the ChexSystems report. 

It still hasn't been removed.