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

It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed that there have been some fraudulent accounts opened under my name. These are : - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - I C Systems Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is significantly affecting my credit report. 

There were also some addresses that I have never used : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There are a few phone numbers that are also not mine : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX
Product: Debt collection

My Identity ( social security number name and address ) was exposed in the 2017 XXXX Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles.
Product: Credit reporting or other personal consumer reports

Errors in my credit report list late payments incorrectly. Requesting an accurate update.
Product: Credit reporting or other personal consumer reports

Provided back requesting information and not received.Also, attached deletions from from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

" I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! XXXX  shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from XXXX Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from Kohl 's Company in XXXX. I never have applied for credit with Kohl 's, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX XXXX and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY FICO SCORES, including but not limited to, XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT CARD, etc. 
Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App took money out of my personal bank account and did a reverse refund to a client that had previously paid me for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The event was for XXXX XXXX XXXX XXXX XXXX and the father/client is XXXX XXXX XXXX or known as XXXX ) XXXX The total cost for the XXXX and XXXX service was {$1200.00}. I received a {$200.00} deposit, and then {$600.00} cash on the day of the event. Client still owed {$400.00}. The event took place without issues. I have many videos and pictures from that event, so i definitely provided services as requested. However, XXXX paid me the remaining cost late ( which I did not make a huge ordeal out of ). It ended up being a week late, although it was suppose to be paid in full the day of. XXXX paid me through the Cash App account of " XXXX I '' on XX/XX/XXXX. XXXX originally owed {$400.00} but paid {$500.00} ( including tips ). On XX/XX/XXXX at XXXXXXXX XXXX, I received an email from Cash App that the {$500.00} from that transaction will be refunded back to client 's account because there was a dispute on the client 's end at their bank. I did not agree nor give any permission for this refund. The money was taking out of my personal bank account. I was not made aware of any dispute from this client until that email from XX/XX/XXXX. I reached out to Cash App, XXXX # XXXX, and the customer service representative said there was nothing they could do, and that I was not able to dispute that reverse refund. They told me to reach out to the client, XXXX to resolve this, which I have via phone call, text, and XXXX and have had no reply. It seems like his phone is out of service or had blocked me. I do not personally know this client other than for the event. I feel like this is very unfair as I have no say in this and money was just automatically taken out. It not not fair that Cash App did not allow me to have a say in this dispute. I also do not understand why this dispute came months later. My Cash App account XXXX.
Product: Checking or savings account

US Bank first informed me of fraudulent activity on my checking account via phone on the night of XX/XX/2024. On XX/XX/2024, I called the XXXX for US Bank again to find out what was going on. Both days, both agents informed me that I needed to go inside the nearest US Bank branch and fix the issue. I went to the branch in XXXXXXXX XXXX on XX/XX/2024. The bank informed me that my checking account was set for closure and that US Bank would mail me a statement and a cashiers check with my remaining balance. Today is XX/XX/2024. US Bank continues to tell me the account is open and I need to wait for a letter in the mail. THIS IS RIDICULOUS AND UNACCEPTABLE!!! I NEED HELP!!!
Product: Mortgage

This is kind of a long story, but will try to make it short. In XX/XX/XXXX hired XXXX XXXX. Paid XXXX for 3 months, within 2 months had all paper work in for them to connect to servicer, but in XXXX there had been no progress, had to cancel. Tried to get money returned to me. but to no avail. I was so naive that hired another company called XXXX XXXX in XXXX XXXX sent documents and yet again out XXXX dollars because they did nothing to stop foreclosure. House was sold back to to servicer in XXXX. I had talked, emailed, called everyone I possibly could, then the virus shut everything down. I refused to give up, a few months later. Got a call and was given a forbearance for 6 months, thinking that they were finally going to work with me. Yet again was fooled it was just for them to by time to sell it yet again. knowing that i had year to get back. I do believe i was scammed and also think Dovenmuehle was duel tracking me with no intention to helping, because they checked my credit in XX/XX/XXXX that I just recently seen on my credit report. I also tried to get a lawyer on this, but was told the bank would just keep throwing money into the lawsuit and be able to win. Now today Iam faced with surrendering my home to someone that bought for cheap when it doubled in value and i have worked so hard for the last 7 years to get, destroyed my Credit have nowhere to go because I was given a letter 10-day demand possession. Thanks, I do have documents to back me up. You can reach me at XXXX XXXX
Product: Debt collection

We recently had our credit pulled and found out that I had " installment '' /student loans through XXXX that I had never been aware of. I have been paying a company called " Launch Servicing '' since XXXX  who had claimed to be my loan servicer for my student loans. I contacted XXXX on XX/XX/XXXXXXXX  to find out what these loan amounts were and if they were truly loans in my name. In speaking with XXXX I was informed that they were the current loan servicer on all of my student loans and had been since the original change of servicer from " XXXX XXXX '' back in XXXX. I was then informed that " Launch Servicing '' was a known scam and that I should immediately begin to file claims with XXXXUS Department of Education , and our banks as well as try and contact Launch Servicing to attempt to get a refund. Launch Servicing has been unresponsive to my calls and I've only received an automated message back in response to the email I sent also on XX/XX/XXXX. 
Records through Launch Servicing 's web site show I have paid a total of {$5100.00} to them. I am still trying to reach a banker at my bank to get a final amount that has " actually '' been paid to Launch Servicing. 
According to XXXX there has not been any payments made on my student loans since my income driven repayment plan was put in place, so I am not sure where this {$5100.00} has gone, because it has not been applied to my student loan balance. I did ask Launch Servicing to explain where my payments have been applied, but again, I have been unable to reach someone with Launch Servicing.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act. The list of accounts on my Equifax consumer report below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have violated my rights. 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX of XXXX I was sent a letter stating that I owed a debt to " XXXX XXXX XXXX XXXX '' This debt was not mine and after speaking with a representative from XXXX XXXX   they could not verify why I was being contacted in regards to this debt. I spoke with the contact person for XXXX XXXX XXXX and explained to them the situation. After over an hour on the phone they told me that my dispute had been registered and that I would no longer receive any communications regarding this supposed debt. 

There is nothing that ties me to this supposed XXXX  XXXX  account other than my name. I have not lived in the state that the supposed package was shipped to and have never been to this state in my life. 

Today, XX/XX/XXXX of XXXX, I received a letter from XXXX XXXX XXXX in reference to the same charges from " XXXX XXXX XXXX. '' This is not my debt and I will be sending XXXX a written letter stating as such. However I would like my complaint to be filed so that I have recourse if XXXX does not accept my refutation of the debt as valid.
Product: Money transfer, virtual currency, or money service

I received a phone call from the Bank of Americas actual XXXX number saying they found fraudulent payments in my account. They explained that there were fraudulent wires made and that they could start the formal process with me to fix the problem. So they walked me through it. Then the next morning my account was emptied- {$8200.00} was gone. So I immediately called Bank of America and asked what happened. They said this is a new type of scam and I was connected to their fraud department to file claim. I had to sign an affidavit that I was not actually involved with the fraud. I called a total of 5 times for updates. Today I received an email document saying that they can not recover my money. I immediately sent 2 emails back saying that it was unacceptable. The initial fraudulent call was Wednesday XX/XX/2024. I received the document today XXXX XXXX that they couldnt fix the problem.
Product: Credit card or prepaid card

I recently received a letter from CITI Bank explaining that my application for a " CitiBusiness / AAdvantage Platimun select World Mastercard account '' could not move forward due to a freeze on my credit reports. 

I never applied for this card, nor did I authorize anyone to apply for this card. I have in place a full credit reporting freeze to prevent this sort of fraud. 

On the morning of XX/XX/19 I called CITI Bank at the phone number listed in their letter to me, XXXX and was unable to proceed because I refused to give my Social Security number as a condition to move the call forward.
Product: Vehicle loan or lease

I have tried disputing the inaccurate information on my credit report. The information that is being reported is inaccurate and a violation of fair credit reporting. Please help with removing this item from my credit as I have tried working with creditor directly
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report 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.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

My home was broken into on XX/XX/2023 and all of my devices were taken with all my accounts logged into my password saved my banking information was stolen and my social security number and my driver license from wv was stolen since then I have had numerous inquiries that are not mine please help me get these off my credit. I have had over XXXX stolen from me cars put in my name loans in my.name. please help me fix my credit itvwentvfrom a XXXX to a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.
Product: Checking or savings account

I filed a complaint/inquiry with the OCC who deferred it to their CAG, but they relayed it to the FRB, who instructed me to file a complaint/inquiry with the CFPB. 

I was added as a secondary account holder. I always wondered why I never had access to the account, expecting to receive mail or a debit card in my name. Recently, I went to visit in person to the East West Bank branches in XXXX, CA and XXXX, CA, respectively. Turns out, each banker told me I was never issued a debit card nor did I register for online access. I requested this in writing but they declined because they had " no ability to do so. ''
Product: Money transfer, virtual currency, or money service

I used XXXX to purchase a product from XXXX. The seller never sent the product promised and I kept trying to contact them they never responded and then I told them I would take legal action and I called my back and XXXX XXXX was told it was nothing they could do. I was so upset then the scammer decided to answer and sent me a package full of paper I was really hurt. This is crazy how people can think there doing the right thing by sending from there bank and then theres no protection.
Product: Money transfer, virtual currency, or money service

They created a site that looked very similar to XXXX. 
Paid for concert tickets. {$1200.00} Used Zelle via XXXX XX/XX/year> was date Sent to phone number XXXX Person scamming used XXXX account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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
Product: Credit reporting or other personal consumer reports

Equifax is not properly investigating my complaint. Information provided by XXXX XXXX is inaccurate on much of the information on my Equifax credit report. Because there are so many errors I will attempt from now on to focus on one item at a time. This dispute I will focus on showing that payments were received on time in XXXX & XX/XX/XXXX. How can I then be 60 days late in XX/XX/XXXX? 
The FCRA provides me with rights to complete, accurate & fair credit reporting. My rights are clearly being violated & ignored.
Product: Checking or savings account

I went to put money into my account at a PNC ATM on XXXX XXXX, XXXX, MD. Immediately after receiving my cash the machine went " out of service '', kept my money and gave me no receipt. I immediately called the Customer Service desk and they showed no record of my deposit. I went to the bank first thing the next morning and all both of these could say is they will put in a complaint and investigate and it will take 2-4 weeks. I am a senior citizen and I don't have {$600.00} to sit and wait. Can't they look at film or have the company that services their machines check to see if there is a {$600.00} overage? No one at this bank seemed to care that I've lost my money and I don't know where to go.
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Payday loan, title loan, or personal loan

we purchased a solar system through XXXX XXXX XXXX which on XX/XX/XXXX closed their doors and went bankrupt and we had problems since the day we received the .solar and continually communicated with Dividend Finance concerning the fact that the system was non-producing as well as we never filled out an application for this loan that we were just placed with and also DF never assisted us with the problems, knowing they were occurring and also continuing to give out loans for this solar company. We have told DF that we want this trash taken off of our home and this fraudulent loan dissolved. DF was well aware of this company and their XXXX  product and was well aware of the predatory loan they were giving out. This company is unwilling to assist in this matter, and they know what they need to do as well as to file with the bankruptcy court as a creditor so that they can recoup their money from XXXX. I will recommend to people to NEVER do business with this company.
Product: Credit reporting or other personal consumer reports

Dear Equifax XXXX XXXX, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : XXXX XXXX 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 request your immediate attention to resolve this issue and XXXX me access to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This complaint is against Portfolio Recovery and original creditor is XXXX Bank The amount is XXXX
Product: Credit card or prepaid card

This incident involves Capital One/Cabela 's XXXX I was frauded in XXXX. I didn't have a charge card nor had I ever seen this charge card. I was advised of the existence of this charge card in XXXX by my personal banking institution. At that time Cabela 's was advised of this. 
After numerous attempts to have myself removed from this mess, Cabela's/Capital One chose to drag me into a court room. My attorney was costing me {$250.00} an hour. We reluctantly settled outside the court room to offset the already {$3000.00} in legal fees i had to pay for something I had nothing to do with. We settled for {$1500.00} on about {$8000.00} in fraudulent charges. The case was dismissed " WITH PREJUDICE '' in a XXXX Michigan court room meaning it is done forever, no except for. Capital One then filed a fraudulent XXXX against me with the IRS. My attorney corrected them after a lengthy dispute. Capital One then filed a corrected 1099-C with the IRS cancelling out their fraudulent claim. This was followed up with a letter from Capital One admitting I had been frauded. At a later date we confronted Capital One requesting refund of the settlement money and legal fees that I should never had to be involved with. Capital One refunded my settlement money but after ( 3 ) attempts to the CEO to recover my legal fees, they are refusing to do so. I am not asking for anything I don't deserve. I had nothing to do with this mess. My credit was damaged through this entire event but Capital One rectified that matter. I want my legal fees refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.