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

I keep calling about account that reporting inaccurate on my credit report and I dispute several of times and spoken with representatives on yesterday on XXXX the XXXX and I was told account previously investigating and representative told me they haven't received any responses and I stated if your not had any response from this within 30 days the file must be removed from file per Federal Credit Reporting Act 609 but account is showing close. The Bureau isn't obeying the laws their not above the laws. I ask to representative to provide me the method of validation it was refused
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. 
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
Product: Money transfer, virtual currency, or money service

Some hacked my Coinbase account. They stole almost all my assets and transferred XXXX $ out of my bank. There is also a pending {$1000.00} transaction that Coinbase says they are going to sell my assets to pay for that XXXX . Coinbase had done nothing to fix these problems. I feel like Coinbase is a scam in it self to steel my money!
Product: Credit card or prepaid card

COMPANY IN QUESTION IS HOME DEPOT COMMERCIAL CARD SERVICES OF XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX ( RETURN MAIL ADDRESS ). 

OR DEPARTMENT XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX ( REMITTANCE ADDRESS ). 

ISSUE IS RATHER SIMPLE. I TRULY ENJOY THIS ACCOUNT BECAUSE RETURNS ARE SO SIMPLE : PRESENT CARD AND ITEM ; THEY SCAN AND CREDIT ACCOUNT. 

PROBLEM IS WITH BOOKKEEPING. THIS PAST BILLING CYCLE OF XX/XX/2020 SAW A {$50.00} CREDIT ON THE ACCOUNT AND {$11.00} OF CHARGES. THE CREDIT WAS NOT APPLIED TO THE CHARGE SO A LATE FEE COULD BE ATTACHED OF {$20.00}. THIS WAS REVERSED AFTER A CALL TO THE BILLING CENTER -- AS LONG AS IT ONLY " HAPPENS '' TWICE A YEAR. 

THIS HAS BEEN A RATHER ROUTINE ISSUE OVER TIME ; THE JUSTIFICATION IS I/WE DID NOT " TELL '' HOME DEPOT WHAT TO DO WITH THE CREDIT. TO ME THIS APPEARS TO BE A SLY WAY TO ASSESS FEES TO BOOST CASH FLOW. FORTUNATELY WE ARE A TWO PERSON ( MARRIED ) OPERATION. IN A LARGER COMPANY WITH SEPARATE BILL PAY DEPARTMENTS, THESE SNEAKY FEES WOULD SLIDE THROUGH AND GET PAID BY INNOCENT ACCIDENT. 
PERHAPS THIS ACTIVITY IS NOT ILLEGAL BUT IT IS UNETHICAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through Honda Financial Services. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted Honda Financial to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. Honda said they were sympathetic but unwilling to remove the mark.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies for failing to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The issue concerns a XXXX XXXX XXXXXXXX account that was charged off and sold to a debt collector. The collection agency failed to validate the debt, yet XXXX XXXX XXXXXXXX continues to report a balance on the account. According to the FCRA, information on my credit report must be accurate and not misleading ( 15 U.S.C. 1681e ( b ) ). Once the debt was soldXXXX XXXX XXXX XXXX was required to update the account to show a {$0.00} balance. 

I have disputed this issue multiple times with the credit reporting agencies, but they have not corrected or removed the account as required by 15 U.S.C. 1681i ( a ). Their failure to investigate and resolve these disputes violates my rights under the FCRA. 

Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$100.00} {$1000.00} for each violation. I request that this inaccurate account be deleted immediately, and I be compensated for the repeated failure to address my disputes. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off due to covid during the time of the late payments. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by XXXX XXXX, XXXX. I had no prior knowledge of this alleged debt and I have never given XXXX XXXX, XXXX and other companies who are associated with them such as XXXX XXXX and Credit Control XXXX LLC  my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with XXXX XXXX XXXX No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). XXXX XXXX, XXXX is a third-party debt collector. XXXX XXXX, XXXX has furnished information on my consumer report without my knowledge and permission. I have sent XXXXXXXX XXXX XXXXXXXX and all associated parties such as XXXX XXXX, XXXX and Credit Control LLC a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
Product: Debt collection

I attempted to close my online checking account with XXXX XXXX  after withdrawing my funds early in 2021. XXXX did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted XXXX via chat and phone and was told customer service can't do anything about it.
Product: Debt collection

This company only sent me 2 letters of collection. They stated they tried to call me but they did not leave any voice mails. FCS took over my bill from XXXX and XXXX in XXXX of XXXX. They did not tell me I must make {$25.00} a month payments for them NOT to report this an as unpaid collection item on my credit report. I did contact the company in XXXX trying to settle for a lesser amount they would not accept, telling me that was insurance fraud. All this time I made {$20.00} payments each month on or about the XXXX. I have made several attempts to talk to the supervisor XXXX XXXX XXXX, she will not return my calls. My credit score took a 100 point hit. I find there way of business to be shameful. I'm a lender at a bank myself, we do not treat customers this way. Especially when they do try to pay there debts. I have rights under the fair credit reporting act, this was unfair treatment along with unfair reporting. I did tell the company in one call that I could only make the {$20.00} payment due to helping my parents, because they lost some income due to Covid-19. I am a single mom, trying to raise a daughter, pay my bills and help my parents, they should have some leniency through such a difficult financial time as we are facing now.
Product: Credit reporting or other personal consumer reports

Unauthorized pulling of my credit putting multiple inquiries on my credit XX/XX/XXXX through XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan with First Citizens Bank on XX/XX/XXXX. I paid the full amount that I was quoted as the payoff amount. I sent a check the day I called to the address that they gave me on the phone. They processed the payment, sent me a letter stating that it was paid off and sent me the title to the truck. However, they reported the payoff to XXXX as a settlement, not paid in full. This is incorrect and they ackowledged it when I call on XX/XX/XXXX. They said they can't fix it and I need to deal with the credit reporting agency. I reported it to XXXX on XX/XX/XXXX through XXXX XXXX and they refused to change it. I went to my local first citizens branch and spoke to a manager there, her name is XXXX XXXX. She was able to reach out to the corporate office who admitted that they made a mistake and said it would be fixed within ten days. She also emailed me a letter stating that a mistake was made and it would be fixed. I have checked XXXX and the error has not been fixed. It's been over a month since I spoke to XXXX initially and nothing has changed. I called her and she said that it was fixed but not every reporting agency will have it updated. I got a report directly from XXXX today, XX/XX/XXXX and the incorrect information is still there. I took the time to create an account with XXXX to start another dispute and provide them with the letter from XXXX but thier website is experiences technical difficulties and won't allow me to upload the document. I called and the person was barely understandable but I was able to understand that they wanted me to try another browser. I did and the document still won't upload. Therefore, I have no way to dispute this with XXXX. First Citizens is unwilling to help anymore. My scored has dropped XXXX points. Two credit cards have been closed and I got a letter from the credit card company saying that it is because of this delinquent account. I had another credit card company threaten to close my account if I didn't use it. I am in the process of applying for a mortgage and have had to wait until this is clear. Meanwhile the interest rates have skyrocketed since this mistake has been made. First Citizens has damaged my credit in a major way, caused credit card companies to close accounts, and is keeping me from obtaining a mortgage. XXXX will not allow me to dispute the error. I have no where to turn for help. My credit was perfect before this happened. Over XXXX score, no late payments and no accounts with derogatory remarks. I need help fixing this so I can have my credit restored and get a new mortgage.
Product: Debt collection

Allegedly XXXX claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX  XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL XXXX XXXX writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Parties Involved - Patient : XXXX XXXX XXXX Medical Facility : Honors XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX. 
Collector : Bureau of Medical Economics Please see the attachment for a full description of the details. I visited the above medical facility but was also billed by a second provider, XXXX XXXX XXXX, XXXX without my knowledge, who duplicated charges by excessive medical billing and overcharging my insurance because of a broken medical system. I am not responsible for these charges that arise from XXXX XXXX XXXX, XXXX committing insurance fraud to line their pockets. Ultimately, It is unlawful that providers are using excessive billing practices on patients. This practice needs to be made aware and halted indefinitely to avoid further harming more patients at the hands of the Medical Community.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX & XXXX ], [ XXXX & XXXX ], [ XXXX & XXXX ] are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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: Checking or savings account

I have an account with Truist. I barely use the account to the point I forgot I have the account. I recently deposited 2 money orders into the account to pay rent. Due to a couple overdrafts and some were due to Truist maintenance fees Truist decided to hold all of my money which was {$1300.00}. I could have taken my money elsewhere. They are holding my money for almost 2 weeks and now I will be extra late paying my rent and no one seems to care. I spoke with supervisor XXXX at Truist and she placed me on hold and disconnected the call. Im very dissatisfied. I will be closing my account and taking my money elsewhere because this is unacceptable. If I owed money they couldve just taken the money I owed instead of being ok with me being late to the place my children and I lay our heads. I barely use this account and now I will never use it.
Product: Checking or savings account

Good Morning ; I am a normal good-hearted tax paying citizen of the United States XXXX 

I am writing to inquire as to the reasoning that Venmo would have a money transmitter 's license if they fail to transmit money when needed. 


They have committed a most Grievous offense against me with no explanation offered whatsoever. I am stranded at a gas pump on state line late on Sunday evening without a XXXX to my name. 


I contracted XXXX  this last week and it cost me much more than I had readily available to make this trip. I borrowed money from a friend who sent it to me via Venmo and it has been locked in my account with no means to withdraw it. 


It would not withdraw directly to my linked XXXX XXXX XXXX Account, and when I try to link my debit card associated to the same account, an error appears claiming the ZIPcode, which I have had for well over a year with this very same bank account, is not valid. 


Upon attempting to send the money back to my friend, my account was locked. 


The support hotline was of zero help whatsoever and informed me that it could take up to 3 weeks to be resolved due to the high volume of cases they are handling. 


In what quasi-functioning universe is this even acceptable? 


We are talking about US DOLLARS held hostage by gross negligence. My safety is at risk. I am literally stranded. 


Being a money transmitter and accepting fees for transmitting money would insinuate the service Works without fail? That XXXX support should be accessible for ANY issue that may arise? 


I urge that this case is investigated immediately, as I am assuredly one of the few having this issue with the wit to know whom to ask and whom to report to. 


Feel free to contact me by thus email with further questions. 


My support ticket # is : XXXX Under no circumstance whatsoever should a user 's funds be locked without a given reason. This organization offers an account and routing number, a card and banking services. 


I want answers and I am scared. 


Please help. 

Attached screenshot shows I violated terms of service and doesn't explain how. By attempting to send the {$300.00} I could not withdraw BACK to the dear friend who sent it to me???? 

This is the WHOLE truth.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account
Product: Vehicle loan or lease

Have had multiple issues with USAA. Without any notice or right to cure sent usaa sent a repossession company to my home at midnight on Thursday. After a back and forth the company called my local police. After speaking with the officer the officer requested the company leave my property. After the officer left the driver returned to my home and threatened me by telling me to be ready as he will be back. This breaks laws, morals and speaks to the standards of USAA
Product: Credit card or prepaid card

Credit Karma lie to me they keep sending me email about my approval is outstanding to apply for a credit card and if i don't get approve they will pay I applied twice and didn't get approved now i have high inquiry my score get down