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

On my current Experian credit file there appears a name that is not mine, that I have never used at any time for any purpose, and I do not know who that person is : " XXXX, XXXX '' Further, Experian Credit Reporting claimed that some supposed " debt '' in the amount of {$690.00} was somehow attributable to my home residence address, to this person I never heard of and do not know. 

In addition, I do not owe any such debt at any time. 

This is a well-established, continuing pattern and business practice for Experian by making false claims, over false debts not owed, to serve as financial extortion and blackmail, to promote their " credit repair '' scam by harassing and hounding every unfortunate consumer forced to " visit '' their website into paying them money each and every month for all eternity, just to receive the very same FICO Score to which they are legally entitled. 

And now include a fake name in my credit file as well, copy attached. 

" Conflict of Interest '' on a national scale - Experian ruins your credit file with fraud, then charge you monthly " fees '' for the rest of your life, to " fix '' the very same credit score they just destroyed - for no lawful purpose. 

Experian must remove this fake name from my credit file, and never make financial demand upon me for any other fake name as well.
Product: Credit card

XX/XX/year> Consumer Financial Protection Bureau Goldman Sachs XXXX XXXX XXXX To whom it may concern, Regarding Goldman Sachs XXXX XXXX XXXX I am disputing the attached credit card transaction from XX/XX/year> for {$59.00} from merchant Norwegian Cruise Line because the service the merchant provided did not function properly and the merchant did not correct the issue. 
I purchased XXXX internet from the merchant ( NCL ) while on a cruise starting on XX/XX/year>. The XXXX XXXX XXXX XXXX provided had significant technical issues that prevented its proper use while on this cruise. I complained to the merchant while on the cruise, I also contacted the merchant twice after the cruise regarding the issue. In all three attempts at communicating with the merchant there was no response from the merchant concerning my complaints. 
Therefore I disputed the cost of the Wi-Fi service with Goldman Sachs , my credit card provider. 
I have now attempted to dispute this {$59.00} credit card charge XXXX times with Goldman Sachs, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
In all of my communications with Goldman Sachs I have provided documented proof of the merchants Wi-Fi service not functioning properly, I have also attached this same evidence to this letter. 
In all three attempts Goldman Sachs has found in favor of the merchant without providing any explanation, given the incontrovertible evidence I have provided to Goldman Sachs. Goldman Sachs simply replies saying no billing error occurred. 

I find this corporate behavior completely unprofessional. Goldman Sachs clearly is uninterested in resolving this dispute for anyone except the merchant ( also probably their client ) and there seems to be a working bias involved between Goldman Sachs and XXXX XXXX XXXX ( merchant ). 
Therefore I am opening a case with the Consumer Financial Protection Bureau for two reasons I am asking for assistance in finding a proper and fair resolution to my dispute. 
Investigate as to why Goldman Sachs is not properly investigating my dispute and instead always and inexplicably finding in favor for the merchant. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report XXXX XXXX : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan EQUIFAX Report XXXX XXXX XXXX  XX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> was my original complaint to CFPB about this false reporting bankruptcy I have been violated by XXXX and ransunion I wrote to the Delaware district Court bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to XXXX, Transunion or other credit entities. I also sent XXXX letters to XXXX and Transunion citing the inaccuracy and requesting investigation/removal based on the court 's response. And asking for information that they have.They sent me a letter back with another name on the bankruptcy that is not mine also, I sent notarized affidavits also. I also sent XXXX a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite XXXX and Transunions failure to validate or deny the report to you directly as the natural person creditor. XXXX and Transunion has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it. And these bankruptcies reporting are hurting my financial health. Since my initial complaint I have given XXXX and TransUnion 30 days to respond which is a more than reasonable amount of time to respond to these matters. They had failed to do so and now I am seeking monetary relief for the inconvenience
Product: Credit reporting or other personal consumer reports

Information on my credit report is different on all XXXX of my credit reports. I have disputed most of the the negative closed accounts and most of them were removed.but some of them keep coming back with inaccurate dates from third party XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

I have {$830.00} locked up in my PayPal account from being terminated for breaking their terms of service this money has been locked for over 3 months without any way to access it, use it, or withdraw it.
Product: Checking or savings account

I had a open capital one account for awhile and I closed it because the bank has a poor dispute dept and I disputed a loan and some payments from XXXX XXXX and I called capital one and told them I never had a loan with XXXX XXXX XXXX XXXX or a XXXX credit card before I called there two creditors and have those accounts closed as fraud and they are closed and I have gotten some of my money back from XXXX credit card but I filed a claim with capital one few weeks ago and I feel like they didnt do there research and my claim was denied due to unknown reasons .... and I received a denied email ... .. and I never did business with these Merchants and those accounts are shut down and my checking account number was stolen ... and I requested for a new checking account number and capital one has refused
Product: Credit reporting

Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX
Product: Credit reporting or other personal consumer reports

I wanted to reach out because I noticed something unusual on my credit report that has me worried. Theres an inquiry from a company I dont recognize, and I havent applied for any new credit or given permission for this. Its really concerning, especially since I try to be careful about my financial privacy.
Product: Debt collection

came on credit i never was aware of this company or had a contract with this company and this debt i wasn't informed
Product: Mortgage

After a year and half of trying to resolve the issues with this mortgage, I filed a complaint here late last year ( XXXX ) and on XX/XX/XXXX I received a reply from PHH Mortgage stating that I had been granted a new loan modification and I would be receiving documentation detailing said new modification in the following days. It is now XX/XX/XXXX, and despite several phone calls over the last few weeks, and speaking with a few PHH associates I have not received any further information on the loan modification I was promised. Currently my account is in forbearance that ends on XX/XX/XXXX. I will be requesting an extension. And I will continue to call to try and speak with someone. But at the end of the day, this entire saga has been exhausting, frustrating, and scary. I'd like resolution.
Product: Debt collection

I was summoned to appear about a debt collector trying to collect a debt. The Complainant was Wakefield And Associates who added another party, XXXX XXXX XXXX XXXX, to a case which she had no involvement or part of. We were given up to 75 days by the courts to choose a mediator to try and come to come to some type of resolution, but when we contacted the debt collector to inform them that we had chosen a mediator from a list of mediators that excepted a court waiver, we were told the debt collector would not except our mediator and wanted to use their own mediator who had previously worked with them which would be unfair to me. I went back to court and wanted the Judge to appoint a mediator but the judge conspired and decided they didn't want to be bothered with the case. I am on XXXX at the time and Social Security XXXX XXXX and have limited resources. I feel by attaching XXXX XXXX to my personal debt is a violation of her privacy and some civil action will be taken if necessary.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge off 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  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Personal Info Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting

I can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

XXXX XXXX XXXX
Product: Student loan

I am having an issue with FedLoan Servicing. My account was closed due to loan consolidation back on XX/XX/XXXX. This account is still showing derogatory events on my credit report from XXXX ( my father passed away in XXXX of XXXX and I was still not working ). This negative account is destroying my credit. 

I reached out to FedLoan servicing back on XX/XX/XXXX to try and resolve this, and I had asked for it to be removed completely from my report as it is causing issues ( noting that I'm currently in good standing with the Dept of Ed/XXXX, and have been for years ). The representative logged my dispute and sent me an email containing a XXXX XXXX Dispute Form, which I promptly filled and returned via mail to FedLoan Servicing, XXXX. XXXX XXXX, XXXX, PA, XXXX. This was sent on XX/XX/XXXX and I have not yet as of today XX/XX/XXXX received any response ( regarding the removal of the incorrect information, or otherwise ). 

Attached is a copy of my FedLoan Servicing Account Details from MyFICO. There is a {$0.00} balance shown however this account continues to sit on my credit report with a 120+ day delinquency, absolutely ruining my credit score, and it appears there is no resolution in sight as they refuse to even communicate with me. Please help me.
Product: Debt collection

On or about XXXX XXXX XXXX I accessed my credit report and found that there are three collection accounts reporting from Midland Credit Management. I filed a debt validation letter, and dispute with the bureaus on XXXX XXXX XXXX and spoke to XXXX personally over the phone on XXXX. 

I am unaware of the above listed accounts. Please VALIDATE this information
with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated
with these accounts, (i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE). I
formally request that this information be immediately deleted from the credit
file you maintain under my social security number. Please note that you have
30 days to complete your investigation, as per the FAIR CREDIT REPORTING
ACT section 623(a)(3), and I am keeping CAREFUL record of your actions.
Failure to respond
satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a
small claims action against your company. I will be seeking XXXX XXXXn damages
for:
1.) Defamation
2.) Negligent Enablement Of Identity Fraud
3.) Violation Of The Fair Credit Reporting Act
You will be REQUIRED to appear in a court venue local to me, in order to
formally defend yourself.
P.S. Please be aware that dependent upon your response, I may be detailing
any potential issues with your company via the better business bureau along
with an online public press release, including documentation of any potential
small claims action.

They are continuing to re-age these collection accounts by adding to the balance. PLEASE SEE ATTACHED DOCUMENTS FOR PROOF. 

These occurrences have happened many times over the past several months, but I have not been aware until doing legal research that they are violating my consumer rights. I have repeatedly requested Debt Validation on these accounts, and also filed a complaint with the FTC on fraud, or identity theft approximately one year ago when they first started to appear on my file.
Midland has refused to validate the debts, or send me any information on why they say that I owe them, and they keep increasing the amount of the collection by XXXX  

There are ZERO late payments on this account, and it is reporting 120 days late. Per 15 USC 1666 BILLING ERROR, this account should NOT be showing late payments. 

I do not owe this debt to Midland Credit Management on ANY of the three accounts that they are showing. I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100% accurate
credit information. Every step must be taken to assure the information reported is
completely accurate and correct. The information therefore needs to be
reinvestigated.
Under the provision of 15 U.S.C.  1692g(b) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A FRAUD INFORMATION APPEARS ON MY BACKGROUND CHECK AND A DIFFERENT NAME AND ITS KEEPING ME FROM GETTING JOBS AND APARTMENTS.
Product: Checking or savings account

On XX/XX/XXXX I deposited a US Treasury check into my chime account in the amount of {$320.00} A check that I received every single month for my son 's XXXX. After I had already signed the check with " deposit only at Chime " and deposited it through the mobile checking feature I was told the check would be on hold for 8 days. Last month I deposited this very same check in the very same way into my account and was given the funds the very next day when I called chime to ask why I was told that the funds would be available and not to worry, I was told that 4 separate times once by a Supervisor when the funds again we're not made available on the 2nd like I was told I called back again and was told by a second supervisor that time randomly selects checks for hold and that there is nothing they can do about it and the checks would was not able to be reversed and they funds would not be available to me until the 8th I have had this account for a very long time and keep it in good standings and use it all the time there's absolutely no reason for this check to be held for 8 days I feel like my money is being held hostage and they will not help me. This is absolutely ridiculous and I am going to be closing my account once my money is given to me... I feel like they are holding this money illegally and I don't understand why there's nothing I can do about it.
Product: Credit reporting or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 states 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I didn't authorize these companies to make a hard pull of my credit and make new inquiries to appear on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my online account for my XXXX XXXX XXXX Rewards Card since mid-XXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that XXXX forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to Transunion. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.
Product: Debt collection

According to resurgent capital, they are reporting to all three bureaus. .I beg to differ, as they are not on my XXXX report. Please see attached. Thanks. 

XXXX XXXX