23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX  ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.
Product: Debt collection

I received an email from True accord crop, about a XXXX XXXX  bill with practically no information other than to dispute or set up payments l. This debt is not mine as I was in bankruptcy and can not open a new account during the time frame. The email has several links and non of them work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on my credit reports and saw a lot of inquiries that were unrecognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in direct contact with XXXX XXXX at TransUnion and she has provided false claims about the information on my credit report as accurate. Also she has purposely decided to drag out the process of fixing my credit report. On my credit report there are names listed that aren't me XXXX XXXX XXXX, XXXX XXXX XXXX, addresses XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX, MD XXXX. Accounts 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, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Also TransUnion has inquires listed that aren't mine. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is XXXX XXXX XXXX XXXX XXXX. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and transunion failed to provide factual documents about these accounts on my personal account Transunion -Address of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX  XXXX XX/XX/XXXX XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

i applied for XXXX prepaid card and i put XXXX on it and i never received my card and instead of getting the card i got a letter from chase saying they will closed my account and i wont have access to my money and i have to wait after XX/XX/XXXX to get my money and I'm very impatient when it comes to my money and i need it now not later and also i noticed there are previous chase accounts in my name and i never applied for them and my identify was stolen and this thief open few chase accounts in my name and these accounts were fraudulent and chase never investigate it and hold me responsible for negative account that was open back in XXXX and i was in prison during the time this account was opened and i never had a chase account in my whole life ... ... and i need my XXXX back ... discover bank is way better
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I contracted Lexington Law to help repair my credit, as I was struggling with my financial situation and trying to improve my credit score. I made multiple payments for their services with the understanding that they would help me address and resolve negative items on my credit report. Unfortunately, despite months of payments, I did not see any meaningful improvement in my credit score or financial situation.

During this time, I continued to receive regular emails, phone calls, and marketing materials from Lexington Law, promising results that never came to fruition. The lack of results and the continued billing left me feeling financially drained, unable to secure a car loan, and trapped in a toxic living situation because of my poor credit. The stress of the situation took a significant toll on my physical and emotional well-being, resulting in a loss of over 30 pounds due to anxiety and frustration.

The situation became unbearable as Lexington Law continued to bill me for services I did not receive, and I felt harassed by their persistent marketing and empty promises. After multiple attempts to resolve the issue and no tangible improvements, I decided to end my contract with them. It wasnt until I took control of my own credit repair and used my knowledge to properly manage my finances that I began to see results in XXXX. 

In summary, I paid for services that did not provide the promised outcomes and faced emotional distress and financial setbacks as a result. I believe this constitutes a violation of consumer protection laws, and I am seeking help to address the financial and emotional harm caused by Lexington Laws deceptive practices.

Attached are the following proofs for your reference : Emails from Lexington Law attempting to collect payment despite no results.

Documentation of my credit score before and after taking control of my credit repair in XXXX, showing improvement. 

I request your assistance in investigating this matter and providing guidance on how I can seek compensation for the financial loss, emotional distress, and damages caused by Lexington Laws deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

One account being reported as two collections. XXXX XXXX and XXXX XXXX XXXX ...
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries listed on my credit report on accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 

I have noticed several unauthorized hard inquiries that I did not authorize or initiate. These inquiries negatively impact my credit score and financial standing. ( Listed below ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Owed XXXX on Wells Fargo card with a special term end date of XX/XX/2021. Special terms are : there is no interest charged if account paid in full by that date. Had a monthly autopay in place of XXXX on the 16th of month during the promotional period, set up on their WEbsite. Made a lumpsum payment of XXXX on XX/XX/2021 so with the autopay of XXXX it equals XXXX but they ignored the auto pay and new statement shows XXXX interest charged plus XXXX own. How I would paid XXXX and would left XXXX? This is so misleading. 
On Monday, XXXX XXXX, spoke to XXXX IXXXX XXXX ( wellsfargo XXXX  ) who charged XXXX and stated he would take care of the charges. The web site for well fargos shows payment of XXXX interest still there. 
It is very misleading.
Product: Credit reporting or other personal consumer reports

Equifax just dropped my credit score XXXX points today from XXXX to XXXX, despite there being no new activity at all, and particularly no new negative activity. When I called and demanded an explanation, they brought up negative activity that is at least XXXX and a half years old or older, and the most recent negative mark is a collection from XXXX, 2021, for which I've reached a settlement with the collection agency with and have been paying off since XXXX. I also just completed paying off another settlement of a loan 100 % satisfactorily and did it XXXX months ahead of schedule. Both of these items really aren't even mine in the first place, as I've taken them out of something else I'd ordinarily be paying, but that's besides XXXX XXXX. I have a " good '' or " excellent '' rating on XXXX of the XXXX factors that go towards deermining a credit score, and I've been working very diligently to fix it, as I had an XXXX XXXX XXXX for many years up until several circumstances came up a few years ago, that were not my fault that caused my score to take a severe dip.
Product: Credit reporting or other personal consumer reports

XXXX and the other XXXX credit bureaus show a XXXX student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting a closed credit card account on my XXXX Credit Report that I was an Authorized User on. I've already contacted Navy Federal to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from Navy Federal that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.
Product: Debt collection

Letters, phone calls and text messages of a company I'm not familiar with for an address that I have not resided at for more than XXXX  years.
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau alledges that my former complaint is not factual and that they ( EQUIFAX CREDIT BUREAU '' conducted a thorough investigation with these creditors. EQUIFAX CREDIT BUREAU then closed my closed stating that the negatives items were in factual and verify by the creditors. The complaint was closed on XXXX day XX/XX/XXXX Complaint id # XXXX. 


I recieved a letter on XX/XX/XXXX  from EQUIFAX INFORMATION SERVICES LLC, stating " we were unable to locate a credit file in OUR database in my name ''. EQUIFAX INFORMATION Services LLC then requested that i provide personal docmentation such as PAY STUB with my Social Security number, W-2 form with my complete address on it. Copy of driver 's license, rental/lease agreement, Ulility bill with other indentifying information. Complaint id # XXXX this case is still open. 

How could EQUIFAX CREDIT BUREAU claim to have conducted a thorough investigation as per FRCA guidelines, YET equifax information services llc ; send me a letter asking for personal documents that they could use to help locate and indentify ; my " MISSING CREDIT FILE '' IN THEIR DATABASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts don't belong to me. Please remove them from all 3 credit reporting agencies. You can see below the list of the accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I XXXX XXXX am a victim of identity fraud and someone has opened up a KOHLS/CAPONE credit card in my name. The account starts with # XXXX. This person has used the card for the amount of {$690.00} so far. It says the account was opened on XX/XX/2022 which was around the time I became a victim of fraud through other cc companies. I just now got this report of this card through XXXX being open so Im immediately reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removal of the erroneous information about the unauthorized inquiry has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/XXXX, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account : 1 XXXX  - Date of Inquiry XX/XX/XXXX 1 XXXX  - Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), XXXX personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late in XXXX of XXXX, 90 or 120 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and possibly 120 days late in XX/XX/XXXX - different bureaus report different dates making it ever more confusing. 30 days late again in XX/XX/XXXX or XX/XX/XXXX again discrepancies! 60 or 90 days late in XX/XX/XXXX - more confusion! Either 90 or 120 days late in XX/XX/XXXX - I can't tell!!! and either 120 days late or no payment data for XX/XX/XXXX! then magically back on track! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

Several times now, I have reported to Bank of America fraudulent activity resulting in {$8000.00} worth of unauthorized withdrawals from my account. I have been given the runaround for months now, with BofA representatives refusing to give me straight answers at first, and ultimately denying my requests for reimbursement of the funds. 

On XX/XX/2019, I saw that on XX/XX/2019, {$6000.00} had been withdrawn from one of my checking accounts and {$2000.00} had been withdrawn from another checking account. 

On that same day, I went into the XXXX XXXX, California BofA branch, where I have been banking for years, and spoke with XXXX, the branch manager. XXXX informed me that the only way I could recover my money was if I obtained a subpoena from a court, requiring them to look through their recorded video to confirm that it wasnt me that had actually withdrawn the money. I objected to having to go to court to challenge the fraudulent withdrawal, but XXXX insisted that this was my only recourse. 

I then contacted XXXX, explaining that I was the familys attorney, and was told the same thing. I told her that BofA has established processes in place to investigate fraudulent transactions, and I was sure they didnt include requiring customers to hire legal counsel to obtain a subpoena to investigate a matter. XXXX seemed extremely flustered and asked if she could research the matter and then call me back. I told her I was appalled at her inability to handle the situation, and said I would await her callback. 

In the meantime, my sister, who had previously served as an insurance fraud investigator, contacted BofA 's fraud department to report the activity. On XX/XX/2019, a representative named " XXXX '' worked with me to file claims, and he told me he would send me a form to fill out. I never received these promised forms. 

On XX/XX/2019 and on XX/XX/2019, I received denials of my claim, stating that my debit card and PIN number had been entered for the withdrawal. 

On XX/XX/2019, I requested that they reopen the claim, explaining that it is a well-known scam for perpetrators to skim card and PIN information from bank machines. I was told that they would review the claim again, this time pulling video, and asked that I give them up until XX/XX/XXXX to respond. I never received a response. 

On XX/XX/2019, I called again and spoke with XXXX, who told me to send in yet another claim form, as they didnt have any of my previous claim forms.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX someone hacked my phone sim card and email address and was trying to reset my log in information with coinbase. I was able to catch this in time and block any transactions and changed my email and phone on the account. Coinbase suggested i immediately disable my account which I did. Till today I am trying to recover my account that has my own money and i have no response from coinbase at all. The initial tickets i submitted has a auto reply that it will be fixed in 4-5 business days. After couple weeks passed i lodged a compliant and the auto reply said i will hear back in 15 business days and if they can not resolve someone will contact me to ask for extension. That deadline has already passed and no response. I am very frustrated as my money is tied up in the account which i can not access. I hope you can help. This company is not helpful at all. I wonder how they can go public without any customer support. 
Thank you
Product: Checking or savings account

3 MONTHS AGO TRIED TO GET INTO MY ACCOUNT AND COULD NOT, I HAVE SENT IN EVERYTHING USAA HAS ASKED FOR AND TO NO AVAIL.USAA HAS NOT CONTACTED ME ABOUT MY ACCOUNT BUT YET USAA HAS SENT ME LETTERS BUT I HAVE TRIED TO TALK TO SOMEONE BUT NOBODY WANTS TO HELP ME! USAA WILL TAKE MY MONEY BUT WILL NOT HELP ME ANY OTHER WAY