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

The issue is theres a charge off on my credit reports from the XXXX XXXX XXXX XXXX. My card was lost and obviously found by someone and was used on several occasions ; therefore a charge off was place on my credit report for {$690.00}. I was completely unaware that it was there until months after and the 30 period had passed already, therefore they are keeping it on there and trying to force me to pay it. This is completely unfair. Ive made several, several disputes to Equifax on the situation and it has yet to be removed. The company isnt trying to assist me in any way. This charge off is holding me up financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in contact with Oportun in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. Oportun has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX CARD SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX  -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through my credit report and I don't recognize the following inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion violated my rights according to 15 U.S.C 1681 Section 604 A Section 2. A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting or other personal consumer reports

Equifax didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXX, XXXX,,, XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into my credit report
Product: Credit reporting or other personal consumer reports

I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.
Product: Credit reporting or other personal consumer reports

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

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX XXXX XXXXXXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

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 n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Product: Debt collection

my son applied for an apartment and he got approved with me on the application, but we never signed a lease nor did we ever move in the apartment. We paid the initial upfront fees. We asked for documentation of this debt and they refuse to provide how we owe this amount of XXXX for something we never signed a lease for nor did we ever live in. The collection agency Southern Management Systems has not provided anything to us with our multiple requests for the information.
Product: Debt collection

I received a call both at work and on my personal number, they refused to provide verification that the debt was legitimate, and were very rude. They also did not inform me the call was an attempt to collect a debt or that the call was being recorded.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report.

As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report.

I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Product: Debt collection

Recently I took a look at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is understanding that you will investistigate this item for meto ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX  Account number XXXX
Product: Checking or savings account

In XX/XX/XXXX I wrote a check in the amount of {$20000.00} for deposit and mailed it to Goldman Sachs to fund an account using their MARCUS savings account product. I was instructed to make the check payable to myself and endorse the back of the check. I followed their instructions exactly as they explained and mailed the physical check. The check was not cashed at that time and I was informed that Goldman Sachs could not locate the check. I placed a stop payment order on that check with my normal bank XXXX XXXX XXXX XXXX and replaced the lost check with a wire. I subsequently closed the Goldman Sachs account earlier this year ( I believe it was in the first quarter of the year ). On Thursday XX/XX/XXXX ( 15 months after writing the original check ) the check was cashed by Goldman Sachs and cleared from my XXXX XXXX XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they had no record of the check being received and my account was confirmed as closed and unfunded at that time. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was informed that the stop payment I placed on the check 15 months ago was no longer valid and would not have done any good because the stop payment is only valid for six months. Also on XX/XX/XXXX, a representative from Goldman Sachs reached out via phone and informed me that they would be reimbursing me my {$20000.00} via a check delivered via the US Mail, they confirmed what address to send it to and the call was completed and I believed the issue resolved. Today I was contacted via email by Goldman Sachs to let me know that since I have moved they can no longer send me a check and they don't know how to get the money back to me. As of filing this complaint I have no resolution on how am I going to get my {$20000.00} back.
Product: Checking or savings account

I am writing on behalf of my mother, who is XXXX. I recently received power of attorney over her affairs. 

Starting no later than XXXX XXXX and possibly before then, somebody provided XXXX XXXX with the information necessary to charge their bill to my MOM 's account. As an elderly person, my Mom did not adequately check her bank statements and was debited via ACH over {$200.00} per month without any authorization. 

I contacted Bank of America and they disputed the previous three transactions and said that is all they can do. I contacted XXXX XXXX XXXX team and they confirmed for me that XXXX does NOTHING to verify that when they are given an account number and routing number, it actually is authorized. The name of the person who did this is NOT the same as my MOM 's or even close. XXXX said there was nothing they could do ( other than give me {$600.00} credit to MY XXXX account as my Mom has a phone on my account ). Keep in mind : my MOM has NO relationship with XXXX directly. She just has a phone on the XXXX network through my account. 

I think XXXX is skirting ACH rules that require their originating bank ( or them through contract XXXX to require further verification that a routing number/account number is indeed authorized to debit money from said account. Plenty of places use micro deposits or voided check to do this. XXXX told me multiple times they do NOTHING and rely on the consumer to protest invalid transactions. 

This is elder abuse. I want XXXX to refund ALL the money to my Mom 's account.
Product: Checking or savings account

In XXXX, I was a XXXX Subscriber therefore I had authorized them to take out of my bank account through ACH method the monthly charge of {$17.00} per month from XXXX to XX/XX/XXXX, they upped their rates to {$21.00} from the months of XXXX through XX/XX/XXXX. The issue I have is in XX/XX/XXXX they took XXXX payments of {$21.00} out of my bank account and I did not authorize the extra payment and then in XXXX of XXXX they took {$21.00} out of my bank account bi-weekly. I have tried talking to their customer service people who laughed at me and told me to go my bank. Their customer service reps also gave me three different stories on what all that extra money was for, one told me it was for a magazine that I never received, another customer rep told me it was for XXXX XXXX which is duplicate coupons and sale ads in Sunday papers and another yet told me it was for something called XXXX XXXX for something extra that they put in the newspaper a few times per year and ironically I have no clue what they are talking about because I never subscribed to XXXX XXXX, XXXX XXXX or no dang magazine and never seen anything extra. Now one would think if they are going to be double and triple dipping into people 's bank accounts they would have sent out a mass email or letters or both to their subscriber database to alert us all of these extra charges and to alert us to the fact that we could either subscribe to all of these extra things or choose not to subscribe. They did nothing. All they did was take extra money from me which I consider to be fraud because they stole extra money from my bank account without my express written or verbal confirmation/authorization. Now I had Covid back in both XXXX and XXXX, so unfortunately I couldn't get to my bank until XX/XX/XXXX because I had to wait for the health department to release back into the public along with my primary care physician and today my bank rejected my chargeback dispute. How can they legally do that to me, I have been a customer of this bank for 22 years, they are supposed to be helping me protect businesses from double and triple dipping without my authorization. I want my money back from the XXXX who was bought out by GCI because I didn't authorize them to take all that extra money out. I only ever authorized them to do one payment per month of the going rate which last year was {$17.00} for a bit then upped to {$21.00}. I was overcharged, I was stolen from, this is complete fraud to me the consumer and the fact that bank I have dealt with for 22 years or more isn't helping me is unacceptable, disgusting, illegal and wrong on all levels. I want my entire {$63.00} back that I was overcharged for. I want it back like yesterday. I don't understand why the bank rejected my dispute, I have a legitimate dispute that involves the money XXXX stole from me. I keep finding different agencies to file complaints with and I will keep at it until someone hears me and makes this right. To make this right I need them to repay me {$63.00} and it needs to go right back into my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I have spoken to XXXX.Transunion and XXXX  on multiple occasions to delete previous addresses and also known names removed from off my consumer report, But there has been NO removals, If you all cant help me I will get my Lawyer Involved. 

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
Product: Credit card or prepaid card

The XXXX credit card company continually makes early morning ( XXXX ) phone calls about late payments. I have been awakened at XXXX with a phone call from them and when I answer, no one responds. The latest calls at XXXX were on Monday, XX/XX/2021 and Tuesday, XX/XX/2021. I called the number back and very strongly demanded that they NOT call me that early in the morning, yet they did it again. I finally spoke with a representative named XXXX and told her I didn't appreciate the early morning calls and that it was illegal to harass customers like that. I advised her that I was going to file a complaint.
Product: Checking or savings account

I continue receiving solicitation from Chase and XXXX addressed to XXXX XXXX XXXX at my address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have responded by writing in mail several times to the return addresses on the envelope, but continue to receive these solicitations weekly. PLEASE STOP.
Product: Debt collection

My SS # was used ( though it is frozen ) to personally guarantee a credit purchase from XXXX XXXX XXXX XXXX. There were odd addresses and phone # s on the application. I was unaware of this till a collection company, Caine & Weiner, turned this into the credit bureau against me. I spoke to a Caine & Weiner agent, who thus far has been very helpful. I called the original creditor to speak with the salesman whose name appears on the application. I was told he was on the other line and will call me back. 5 min later I recieve a return call in which the person states he no longer works there ( very strange ), I was then placed on hold for a long time. Spoke to noone else. Now back with the Caine & Weiner agent, she said to fill out the FTC Report and get it back to her to start the dispute with them.
Product: Debt collection

Disputed account as not mine, express recovery continues to report on my credit files
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

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.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Money transfer, virtual currency, or money service

Direct deposit pay delivery delay. Zero communication with customers about this. I received nothing from them during this experience. And Fraudulent information on website. Started on XXXX, day was supposed to get paid, said would be fixed ASAP but instead they just moved the posting date of my paycheck to XXXX. Again, not a single communication sent about any of this. Disappointed on lack of assistance and communication. Would not trust this company with my pay moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, Experian, & XXXX in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( EXPERIAN ) / XXXX XXXX XXXX ( XXXX  ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.
Product: Money transfer, virtual currency, or money service

Hi, on XX/XX/2022 I saw a video on XXXX of XXXX ( XXXX ) XXXX XXXX founder ( XXXX XXXX ) while I watching his video there was a promotion like bonus next to his video saying : We believe that XXXX and XXXX XXXX will make the world more fair. 
To speed up the process of cryptocurrency mass adoption, we decided to run XXXX XXXX XXXX XXXX giveaway. 
Please follow XXXX to participate in the giveaway. 
To participate you just need to send from XXXX XXXX to XXXX XXXX XXXX XXXX to the contribution address and we will immediately send you back XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) to the address you sent it from. 
Send XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back so I went to to XXXX and send XXXX shares of my XXXX to their wallet address which is : XXXX. 

and after sending it, i didn't received my bonus which is XXXX shares of XXXX and I chatted with them on the same website and i said i didn't receive any shares of XXXX he said over the chat : Sorry, but you are one of those people whose transactions were lost when the system was rebooted. We are sorry. They got lost in our system but did not cease to be reflected in the blockchain system. To return the funds, you should send one more minimum payment, and then after entering the system we will be able to edit it and adding your transactions will send them to vou XXXX. 

and I found out it is a scam because on the video I saw on XXXX somebody made a fake XXXX account for XXXX XXXX and edited that promotion next to his video to trick people and steal crypto shares from people. they are using the founder 's name and video to scam people. I can't believe i did this stupid thing. ive lost a lot of shares and money and i was so sad about this. I dont even know if there is any way I can get it back or not. but please concern this. I have my crypto in Coinbase pro and emailed Coinbase and they said : All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. is there any way I can get my shares back?? can you track it down to find the person is doing this to people? im so XXXX  about this happed to me. 

Thanks So Much.
Product: Debt collection

I noticed XXXX derogatory marks on my credit in the amount of {$510.00} I found out they were from XXXX XXXX to whom I had to take my XXXX  We have always had medical coverage so I automatically knew something was wrong. I called my XXXX XXXX  and they started a complaint. They told me I need to call the debt recovery company and give them permission to speak to XXXX who is my medical provider company who sent me the letter is debt recovery solutions they are trying to give me a discounted offer the original bills are both for {$510.00} for a total due of {$1000.00} They told me I can settle this by XXXX XXXX for {$610.00} I do not owe this. I have always had medical and so have my XXXX. My medical provider said that this is very common because it was under my XXXX. They are trying to be sneaky and collect this debt, I was told by my medical provider to file a fraud claim through you guys account number for this situation is XXXX, The service date was XX/XX/XXXX XXXX XXXX XXXXnd again on XX/XX/XXXX of XXXX which is also wrong. My XXXX was only seen once for this.