23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 XXXX 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 or other personal consumer reports

There are some inaccurate late payments being reported on my consumer reports but I don't have any recollection of ever being late on any account nor have I received any written notices from the furnishers stating that they were going to furnish negative information on my consumer reports. Please modify the information on my report to paid as agreed never late pursuant to section 611 of the FCRA.
Product: Credit reporting or other personal consumer reports

Have been trying to get a updated credit report from Experian since XX/XX/year> and have received nothing but a run around just called today XX/XX/year> and got no answers basically was told tuff luck check back in 30 days and I know the loan company 's are reporting cause the other 2 agency update every 30 days Any help would appreciated Thank XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with XXXX XXXX XXXX  back in XXXX for the amount of XXXX with interest and everything they are charging me almost {$4000.00} that when I first got the loan, I was not aware the other loan with Lakeshore loan same thing I got {$500.00} And I have to pay back XXXX
Product: Money transfer, virtual currency, or money service

I transferred XXXX from my XXXX acct to venmoon the XXXX. 
The item cleared my Checking acct onthe XXXX. 
I really did not want this transfer but I initiated it so I had to wait until funds were released to retrieve it back. 
The hold they posted stated funds to be released on the XXXX. 
I made a Dr appt ear for today as I have been very ill. 
Today is the XXXX. 
The funds are Not released.i 've spent hours in chat trying to get my money. 
I have 12 pages of Chat. Each time I explain this is wrong they transferred me. 
7x I was transferred without them asking permission. 
7 times I asked to dpeakto someone in authority. 
Nobody helped me. 
The last Rep said they may hold my Monday till next Monday & that NOBODY at Vwnmo is able to change the computer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need my money.
Product: Debt collection

Dear representative, On XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX for a bad case of XXXX. According to XXXX XXXX XXXX, I owe them {$4600.00}, however, that is not the problem even though its over a {$1000.00} an hour not counting the Doctors and the Radiologist that I have paid. The problem is that XXXX never sent me an invoice. I have contacted them multiple times and was told I didnt have an account. I finally got in touch with a representative through e-mail and then lots of phone tag. I thought things were fixed. So I made a payment of {$150.00}. 

I still have never received an invoice. Now to my surprise, I have received a letter from a debt collector. I never received any notification that this step was happening. I have no way to know that this debt collector is legitimate. 

I called XXXX again on XX/XX/XXXX to talk to the same representative that I thought fixed things. She said she would work on it and get back to me, but never did. 

The Doctors, Radiologists and Nurses that I had were awesome! They took great care of me even though they got very busy. I wish I could say the same for the medical center.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Product: Money transfer, virtual currency, or money service

The tracking number ( MTCN ) is : XXXX. 
Amount : XXXX USD. 
Date of Transactions : XX/XX/2020. 
I sent money to a bank account in XXXX, and till now the money didnt get in the receiver bank account and i have the receiver bank statement proof that the money didnt get in the bank account, and I contacted with western union customer service a lot of times by calling and chatting and mailing and still my issue didnt solve, and I contacted also by phone with supervisor and I told him that i made a refund case # XXXX and he told me that the money will refund in 2 business days and till now nothing changed ( after that case I escalated many cases and still my money didnt refund ). 
If you please I need to solve my problem and refund my money. 
Thanks.
Product: Checking or savings account

Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
Product: Credit card

was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding errors that appear on my credit report. It is my understanding that you must provide a complete and accurate account of any tradelines that you are reporting. However, there are several pieces of missing information that are adversely impacting my credit score. I have outlined below, in detail, what is missing. As a result of several missing payments, the date of first delinquency is not reporting. Therefore, the estimated date of removal is not calculating correctly. The date is being calculated based on the charge off date. However, the date should be calculated based on the first time the account went delinquent and never resumed positive status. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge of XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing. 
The entire payment history is missing. 

XXXX. XXXX XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing The entire payment history is missing. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 


XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX. 
The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

35 % of my credit score is my payment history. On each of the accounts listed above, several years of positive payment history were erased. Additionally, 15 % of my credit score is average age of accounts. Although the date opened is listed correctly, the account age appears to be significantly shorter than it is by redacting several years of history. 

The number of times that I have disputed these accounts to have them come back as confirmed reported accurately is excessive when the errors are blatant.
Product: Debt collection

I sent a letter of verification of debt request from the debt collector The complete and sign contract of debt obligation And itemized breakdown of what the debt is owe for Provide me with a document the states the status of limitations haven't expired XXXX I received none of this information
Product: Student loan

Applied for a loan refinance on XX/XX/2023. I was denied, without even a chance, because it could not verify my identity when it asked for several identification and was able to find my credit score. Then it reported false information according to my credit report that I had a delinquent account which has been paid and closed. I was not given and recourse, with the online system just a denial, based on generalized reasons. I would like to know why the report is different from my credit report when I have dispute the accounts, and why it said unable to verify identity, when my identity was verified by the online system. It does not make sense, I believe the decision to be unfair and would like recourse and more solid explanation from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a XXXX XXXXXXXX accout
Product: Credit card or prepaid card

AN INDIVIDUAL OPENED A CREDIT CARD AND MADE SEVERAL INQUIRIES IN MY NAME USING MY SISTERS ADDRESS. THE PHYSICAL CARD WAS SENT THE CARD TO ANOTHER ADDRESS I AM NOT FAMILIAR WITH AT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Debt or credit management

Two years ago I retained Infinite Law group to consolidate credit card debt. They initially sent a mailer offering loans to consolidate debt, but when you respond to them they inform you that you are not eligible for a loan, but instead they will negotiate with your lender to reduce your debt. 
XXXX of XXXX, they rebranded to Derek Williams Law group. The service began to deteriorate and the fees escalated to over {$150.00} per month. 
It became more difficult to get them to answer my questions and they continued to do very little to help my situation resulting in a drop in my credit score of almost XXXX point. Previously, my score had remained fairly stable during the process. 
I called them in late XXXX of XXXX with a question and found that the office was closed during their stated business hours. Since they had a local Attorney in Connecticut, I called him to see what was going on. He ultimately told me that the XXXX XXXX law firm had a restraining order in several states and that he was resigning as their local representative. He suggested that I block the next withdrawal, which I did, and leave the agency. I sent an email requesting immediate termination of business and return of all funds held in escrow by XXXX XXXX. I did get XXXX to return my last deposit, however they had taken out their fee of XXXX leaving me {$360.00}. I have reported this company to the State of Connecticut Consumer Protection. They still have restraining orders in several states still in place. What chance do I have of recovering some of the exorbitant fees.
Product: Credit card or prepaid card

American Express is still reporting TWO credit cards, a business and a personal credit card that I have already stated was opened fraudulently. I have spoken with their fraud team and they said they cancelled both cards, but I am STILL receiving bills from them. Furthermore, their were charges taken from my bank account making payments on the " XXXX XXXX '' that I did not authorize. I have already sent a copy of my police report, FTC affidavit ( listing BOTH fraud credit cards ) and sent them to the credit bureaus and they have stated they have sent them to American Express so they should be deleted by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im filing a complaint because i pulled up my credit report on equifax i see a account that is open with XXXX XXXX XXXX account number ending XXXX and this account was closed XX/XX/XXXX of last year and its paid in full on XX/XX/XXXX and its still shows that i owe them XXXX dollars and its hasnt been updated by equifax. And my credit score was dropped to XXXX due to 14 inquires that wasnt mine and one address that didnt belong to me in cypress texas XXXX XXXX XXXX  Balance XXXX this account is closed not open and its paid in full im asking equifax to send me a updated credit report and score
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX didn't give Creditor my Score.
Product: Debt collection

XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. 
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe.
Product: Credit card

I opened a Care Credit account through Synchrony Bank in XX/XX/XXXX and scheduled automatic payments. At that time their webpage said I could set up automatic payments up to 1 year, so I did this. In XXXX and XXXX, auto payments were taken out, however, starting in XX/XX/XXXX, they stopped. I did not realize this until 2 months later when I received my statement in the mail advising I owed them late payment fees. ( I originally had the statements electronically sent. ) I called Care Credit ; I spoke with a nice lady, and she explained to me that somehow my automatic payments did not set up, she would set me up for automatic payments, ( this is supposed to have all been on a recording ), and that I needed to pay {$77.00} to bring my account up to date, which I did. 
Now, for XX/XX/XXXX, the auto payment did not come out of my checking account, ( it was due on XX/XX/XXXX ), because, again, no automatic payment schedule is set up. I called this morning at XXXXXXXX XXXX. ( PST ), I spoke with someone that I could not understand, but he said, again, that he had no record of my automatic payment scheduled, and he too advised he would set up automatic payments, again, and this was also recorded, but that I still had to pay the late fee of {$41.00}. I asked him to explain to me why automatic payment schedule was removed again from my account, and he said he could not say, so he transferred me to another representative who placed me on hold for XXXX hr. XXXX min. and never returning to the phone. I called back at XXXX spoke with another woman who again placed me on hold, this time for XXXX minutes but then hung up on me. 
I am totally frustrated ; I do not understand why they keep canceling my auto payments thus causing me to have to pay them {$41.00} in late fees. All of my other creditors have me on auto payments, I have never been late on any payments as you can see on my credit reports, and for some reason Care Credit keeps doing this to me. I think this is a scam of some sort to get late fees out of me. I have tried to get satisfaction from them, and I get ignored. This is the reason why I feel I should file a complaint as I can not seem to get any help from Care Credit/Synchrony Bank .
Product: Credit reporting or other personal consumer reports

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 Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX XXXX XXXXXXXX I've attached a list of the fraudulent accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Money transfer, virtual currency, or money service

We are victims of SIM Swapping. On XX/XX/2023, The hacker transferred our phone numbers to their devices and gained access to our banks. With the number being transferred to their device, they could falsely authenticate the verification code being sent from the bank. They then proceeded to wire money out of our accounts.

We noticed there was a fraud transfer, so we called Chase Bank and requested to stop the wire transfer in progress. However, it seems Chase did not stop the transfer as requested, the fund was deducted from our account.

We are complaining that Chase Bank did not do its part in securing our assets. We would like Chase to refund our loss due to their errors.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX