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

Today, I found that my credit report contains inaccurate accounts, and I have no clue why. I check my credit report routinely, but this time, I noticed unexpected inconsistencies. Thinking it might be a browser glitch, I refreshed the page, but the errors persisted. Due to this issue, I ask that my submitted documents be carefully examined so I wont have to worry about this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian enclosed is a legal goverment document from the furnisher XXXX  to the CFPB in response to a complaint for over a year with you please remove XXXX XXXX As per the furnisher response enclosed . if you feel you want to investigate this and not remove it at once FIVE DAYS then I feel I have a legal right against you to file a law suit you for purjury and false reporting not to say personal damages to my self and family, DR visites car wreck, personal loss, from your credit reporting I have all documents, an  these documents to use against you so PLEASE REMOVE AS PER RESPONSE .Please respond here to this case in 5 days removal or not thank you
Product: Credit card or prepaid card

Upon checking my credit report, I noticed that {$5500.00} credit usage was applied on my credit report. Creditor name is COMENITYBKXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never apply or attempted to apply. I reported it to XXXX XXXX XXXX  Also, I called the Comenity Customer Care ( XXXX ) on XX/XX/23, but unable to reach them due to long waiting time over the phone.
Product: Credit reporting or other personal consumer reports

Experian ( credit reporting agency ) has allowed rampant account takeover activity in its service and provides no useful remediation. All contacts through their customer support channels ( online and via phone ) send consumers between various customer support teams who are unable or too uninformed to help.

These are the problems with my account : - I am unable to sign in online. My account identified by date of birth and social security number is associated with an e-mail address I do not own. All account recovery measures go to that inaccurate email address ( via phone, no customer support team is able to troubleshoot this ). 

- I was made aware in XXXX customer support conversation that an Experian XXXX account was fraudulently opened with my social security number. However they could not remedy ( or even report ) that situation until I could gain access to my account ( which because of the above- the account is associated with an email i don't own - I can not do ). 

I was given the runaround through multiple customer support teams and burned a minimum of XXXX hours with Experian trying XXXX remedy and got nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with the XXXX XXXX XXXX ( Total Card services ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

I settled a charged-off credit account with the XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX and Equifax continue to report late payments in the last 60 days on this account despite it showing the account has been satisfied with a {$0.00} balance. Both credit bureaus have reported late payments for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have filed multiple disputes requesting this to stop. My credit score remains low because of this negligent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to SYNCB/PAYPAL to XXXX dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that SYNCB/PAYPAL being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : XXXX complete and reasonable investigation within the 30-day period, as mandated by law. XXXX detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only collection account has been deleted and a debt was paid off and my credit score deceased by 9 points instead of increasing. I am working to increase my score, and Experian is the only credit bureau that is decreasing my score and will not explain why.
Product: Debt collection

NATIONAL CREDIT SYSTEMS INC After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX  All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX BANK XXXX XXXX XXXX and Experian Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. 2021 Because I did not apply for credit with BANK XXXX XXXX XXXX.. 
Please launch an investigation into XXXX BANK XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX BANK XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2023 I reached out via phone in an attempt to find a resolution for this account. XXXX XXXX (? ) advised that this account could be settled until XX/XX/2023 for 50 % of the {$750.00} reported balance. 

As this account was incorrectly sent to collections and is a result of fraud, I reached out to the credit bureaus to dispute this. 

On XX/XX/2023, I again spoke with XXXX who advised that they ( being the original creditor, XXXX ) would not authorize a settlement for less than advised. She advised any settlements no in the full value would be subject to remaining on my credit reports as settled for less but would be unable to be permanently removed without full payment. Full payment would also only result in a request to remove as a good will gesture. 

On XX/XX/2023, XXXX advised that she did not advise this and that she asked to extend this settlement amount. I asked to speak to another agent and the line was disconnected. 

Upon calling back, I spoke with agent XXXX XXXX who advised that this account was previously held with a law firm. He advised that he can see multiple dispute attempts but they were denied for being meritless. He advised that XXXX is not the holder of the debt but that they service the debt. His agitation and continued refusal to allow me to simply reiterate his words was condescending and rude. The information provided was contradicting. As their operations closed at XXXX XXXX, he ended the call. 

I am legally severely XXXX XXXX and have several other health concerns. This agency nor the original creditor has made any reasonable attempt to rectify this issue. I feel taunted and have yet to find a resolution for removing this without paying/settling. 

I would like to ask that the CPFB cease allowing this agency to report any information regarding any accounts owned/previously believed to be owned by me. I do not have a contract with this agency and contracts with XXXX were fraudulently entered. 

I look forward to a prompt and positive resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I closed my credit builder account with Chime Bank, which had a positive balance of {$500.00}. I was told I would receive my cheque within 7 to 10 days. To date and over 30 emails and 17 calls later, they are continuously asking for the same information. I even tried changing my address, and despite sending my personal information to them over seven times they refuse to change my address. I eventually told them to send it to the existing address on file and today XX/XX/XXXX, they continue to refuse to send my funds by telling me my account has a No XXXX sign. I don't even know what that means. I have been locked out of their app since XX/XX/XXXX.
Product: Credit card

RE : Complaint About Ongoing Fraudulent Fees And Interest Charged by American Express on a closed account ( Account # : XXXX XXXX XXXX ) Copied : American Express, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir, I am following up on my multiple complaints I filed with American Express since XX/XX/, regarding fees being charged on closed account and still have no resolution. 

I closed my credit card account # XXXX XXXX XXXX. However, I found in XX/XX/ that despite the account being closed I was charged a annual renewal fee of {$95.00}. I called the customer service to point out the error on XX/XX/XXXX  and requested for the correction. 

Recently I learned in XX/XX/, that the previous in-correct fee charges were still not removed several months after I brought the error to their notice. In addition on XX/XX/, I have fraudulently charged addition {$39.00} late fee for not paying the previously disputed incorrect fee of {$95.00} charged in XX/XX/. 

I am demanding American Express to immediately correct the fraudulent fee totaling to {$140.00} and any associated interest charges on already closed account. I am also demanding immediate end of American Express harassing practices, to impose fraudulent fee and impose additional fraudulent charges on top of the previously fraudulent charged fees that re already disputed. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

After reporting fraud and suspicious activity since XX/XX/XXXX to boa at XXXX   XXXX XXXX XXXX XXXX va XXXX manager thru present on my accounts XXXX XXXX did a intense research into all my accounts after me making a complaint with the cfpb.I STILL DO NOT HAVE THE ORIGINAL XXXX bank of America  ACCOUNT SIGNATURE CARD WHEN OPENED XX/XX/XXXX as per XXXXAND I was also  promised by XXXXAn  ORIGINAL XXXX ACCOUNT SIGNATURE CARD OF XX/XX/XXXX.As per XXXX. I ordered a duplicate copy of my full complaint on bank of America to see if she had sent the promised crucial signature cards to the CFPB as she stated she did. I opened the cfpb package today XX/XX/XXXX after waiting all this time AND NEITHER ENCLOSURE IS IN BOA XXXX info sent to the CFPB as stated in her letter of XX/XX/XXXX to me and the Cfpb.I am requesting production of these documents be sent to me asap as promised by bank of America regulatory XXXX XXXX  .XXXX ncSend them certified so I have to sign for them XXXX XXXX  XXXX  XXXX nc XXXXXXXXAND FAX ME A COPY OF EACH OF THE ORIGINAL XXXX AND XXXX   SIGNATURE CARDS ON OPENING DATE OF THESE ACCOUNTS as promised since XXXX.My fax plus NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with XXXX  XXXX XXXX that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.
Product: Credit card

Citi bank initiated redeem my reward money by check XXXX month ago, I still do not get it.I did contact to them XXXX times during that period. Yesterday I received a letter from Citi it written they do not understand what I request it do request me to send a signed letter. They did start it I did not They know what I want and asking, remember they initiated all this.
Product: Student loan

I have never had trouble logging into my XXXX ( formerly XXXX ) student loan borrower service account, now all of a sudden it says " temporarily unenviable '' and I tried calling and they said my social security number is invalid, and also my account number is too.. I can not get in touch with them because my account number and social security will not work. I have tried to email them but they will not get back to me. Please help!!!
Product: Mortgage

My mortgage company, Sunwest Mortgage, is repeatedly calling my mother and my ex mother-in-law and leaving messages for me, by name, asking me to call Sunwest mortgage. I have never put the phone numbers they are calling repeatedly on my account. In fact, I just recently updated my phone number with Sunwest mortgage in XXXX so they do have a correct phone number for me. I can not imagine that this is legal? This is embarrassing and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and more.
Product: Credit card or prepaid card

I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!
Product: Checking or savings account

I had my phone stolen on XX/XX/year> and subsequently had my Robinhood account hacked the following day. The hacker was able to successfully sell off {$9900.00} worth of stocks and buy the crypto currency XXXX. He then transferred the XXXX to some account that is untraceable. 

I was able to get a new phone and contact Robinhood on XX/XX/year>. Robinhood told me that they would submit my claim to their fraud department and help me get my situation resolved as soon as possible. During this investigation process, Robinhood began selling off my stocks to cover a negative account margin. They sold off {$7600.00} worth of my stocks to cover this negative balance ( this is higher than what I said over the phone ). When I contacted Robinhood and asked why they would sell off stocks to cover a negative balance that I just claimed as being fraudulent, the customer representative claimed she had no idea my account was being investigated for fraud and would look into the matter more. She then ended the chat without answering any more of my questions. On XX/XX/year> Robinhood sent me an email stating that they looked into my case and believed I did not meet their requirements for reimbursement. The email did not specify why or how I did not meet their requirements, so I called and asked. On XX/XX/year> I was told by a customer support agent that someone higher up would be calling me to explain why I did not meet that requirement, but it has been over a week since that promise and I have not heard back from them. 

Because of this entire situation, I am out {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022