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

Experian claims to have verified this account in which in my opinion they have not because this account has been settled and paid. The open date is incorrect. Experian is the only credit agency that is still reflecting this account incorrectly. 


Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$1000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$1000.00} High balance {$1000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXXr OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 2018
Product: Credit card or prepaid card

In XX/XX/XXXX, I filed a complaint against Synchrony XXXX because I could not get them to initiate a fraud investigation in regards to a WalMart account that was fraudulently opened in my name. The previous  complaint # was XXXX. 

Synchrony XXXX responded to that complaint, and said that they would initiate the fraud investigation, and they would respond back to me within 30 days. Over 60 days have passed now, and I have not heard anything from Synchrony XXXX about the fraud investigation results. Additionally, they are still reporting the account on my credit report.
Product: Credit card

I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Harvest Asssociates would verify the debt. So I took it upon myself to ask Harvest Asssociates for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it
Product: Debt collection

They text and email me multiple times per day at all hours of the day/night
Product: Credit reporting or other personal consumer reports

I told the Experian, Transunion, and Equifax to reinvestigate these accounts : However, they stated everythin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting

correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account : XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}
Product: Checking or savings account

I was signed up for Charles Schwab bank account without my consent in XX/XX/2017. I received a legitimate XXXX XXXX  XXXX XXXX XXXX debit card and several check books via USPS. I also got other pieces of mail welcoming me to the XXXX XXXX XXXX XXXX XXXX   Checking Account. 

I called the Schwab customer service line and was connected with a fraud agent. He alerted me that someone else had provided them/stolen my social security number, my address, and gave them a fake XXXX  address. I guess that 's all you need to get signed up for a bank account. 

The fraud agent assured me that the account had not be opened and that my ssn number was probably stolen over the internet. He gave me some advise on how to keep my personal information secure, which was nice. However, the subtext was that it 's my fault someone fraudulently signed me up for an account. 

I have no proof but a small part of me thinks Schwab got the scant information about me that is needed and sent me the debit card and and checks in hopes I would officially open the account. 

In short, I believe Charles Schwab, and other financial institutions, must require additional verifications before an account is created in someones name. If not done upon their own volition, they must be regulated.
Product: Credit reporting or other personal consumer reports

Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

Hi. I tried to open an account using a promo code offer. The requirements were to open a checking and savings account at the same time, have {$500.00} in direct deposits, and receive a bonus depending on how much is kept in the savings account. I used the code XXXX. Less than {$10000.00} in the savings account would give a bonus of {$300.00}. I did that and applied the bonus to my account when I opened it. I had an issue when I opened the account online and it only opened a checking account only not a checking and a savings account. I reached out to support who connected me with a local banker at a local branch. He assisted me with the savings account and confirmed that I would still qualify for the bonus. 

Now that its time for the bonus to be paid and credited to my account I did not receive it. I spent several weeks trying to get a response and kept being told they would look into it. General support finally referred me back to the branch banker who told me I would get the bonus. He spent a couple of weeks trying to get a response for me only to finally say that because the two accounts were not opened at the same time I would actually not qualify ( despite confirming several months ago that I did ) and that I would receive no bonus. He said today even though he told me via email in XXXX that I qualified that I actually did not.
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report by Eastern Account Systems from XXXX. I did not use their service nor receive their equipment yet they say I have a balance due. Ive tried calling their basic support but to no avail. They had claimed the account is out of their hands but I never used them so the entire thing is wrong from the beginning. I finally did a XXXX  report and then got ahold of an executive from XXXX who is suppose look at the account, the usage, and everything to verify this. They told me to do another complaint to the collection agency as the collections account is not valid therefore shouldnt be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.
Product: Credit card

I received a letter from the XXXX , XXXX XXXX XXXX located in XXXX XXXX in late XX/XX/XXXX stating that I owed Discover credit card company {$5000.00} due to a transfer balance occurred on XX/XX/XXXX. I never owned a Discover credit card and did not do the balance transfer as they claimed. I have called XXXX Credit Card Company many times and they have told me that the transfer transaction never occurred on their records as well. File XXXX XXXX and XXXX XXXX are evidence that such a transaction never happened. I have tried to solve this false accusation with Discover Credit Card Company XXXX times as you can see from the attached file but they still find the balance valid. I even had the representative from XXXX on the phone with Discover representative to tell them that such transaction never occurred but they still find the transfer transaction valid. I am filing this complaint because I have been falsely accused by Discover credit card company for something I did not do.
Product: Checking or savings account

On XX/XX/year> I contacted Navy Federal customer service and spoke with a representative at XXXX. I inquired about depositing a check using mobile deposit and was told I could take a picture of the check with my phone using the Navy Federal app. At XXXX ( same day ) I deposited the check using mobile bank and received an email at XXXX that my deposit could not be processed, I logged into my online account and received the message that check not endorsed ( check was signed ). At XXXX I contacted customer service to inquire why deposit was not accepted, unfortunately I could not receive any assistance since I did not remember the code word. I deposited the check again at XXXX writing for mobile deposit only at NFCU XXXX was not informed I needed to write this when I spoke with a representative in the morning ). I also submitted a message on the Navy Federal app asking what steps I can take to change my code word as the representative was unable to answer any questions even if were generic questions. Navy Federal Credit Union has XXXX my online account and I am unable to check the balance. I wish to transfer my funds in order to close my account but I am unable to do so as I have no way to check when the check clears. According to Navy Federal Credit Union website checks may take XXXX days to clear however I will not be informed when this occurs nor do I have any way to check when this occurs.
Product: Mortgage

I hope this letter finds you well. I am writing to express my deep concerns and distress regarding the ongoing interactions I have had with your organization. As an XXXX who identifies as XXXX, I have always held the belief that every individual deserves to be treated with fairness, respect, and dignity. Regrettably, my recent interactions with your team have left me feeling targeted and marginalized, despite my genuine attempts to seek assistance and clarity on my mortgage situation. 

Over the course of our communications, I have found that the information provided by your representatives has been anything but clear and professional. The constant correspondences and documents mailed to my residence have not only been overwhelming but have also come across as misleading and at times, contradictory. 

I have actively sought assistance for my mortgage due to the hardships presented by the XXXX pandemic. Despite my diligent efforts in ensuring that my application for assistance was complete, I was repeatedly informed that it was not. This has not only caused me undue stress but has also led to an environment of uncertainty about the future of my residence. It was disheartening to receive multiple foreclosure packages, giving an impression that I was on the brink of losing my home. The emotional toll of facing the insecurity of potential displacement can not be understated. 

Ironically, after the repeated intimations of my application being incomplete, I received a letter from your end stating that my mortgage assistance request was indeed complete and devoid of any missing documents. Yet, in a bewildering turn of events, I once again find myself receiving foreclosure packages and being advised to reapply. 

The inconsistency in communication and the lack of transparency have made an already challenging situation even more difficult for me. I am earnestly seeking the assistance that I am entitled to during these unprecedented times. I implore you to review my situation with the seriousness and urgency it warrants. 

In conclusion, I kindly request clear answers to the following questions : Is my application for mortgage assistance complete and under review? 
What is the current status of my mortgage, and are there any impending foreclosure actions? 
What are the next steps I need to undertake to ensure the security of my home? 
I appreciate your attention to this matter and hope for a resolution that ensures transparency, fairness, and empathy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have bankruptcy on my credit report. All but two accounts showing has been put in an bankruptcy Experian continues to violate a court ordered bankruptcy. 90 % of what Experian is reporting and leaving on my credit report is in the bankruptcy and inaccurate false reporting keeping my scores low since 2018! I have disputed multiple accounts numerous times and providing the proof from their own records! 
XXXX XXXX Flagged my credit report indicating a bankruptcy. Experian was well aware the account was a part of a court order bankruptcy. 
Experian continues to have this showing and reporting derogatory ratings. After disputing nothing is removed and corrected. Violating the court order bankruptcy. 2+ years! 

Experian continue to report hard inquiry showing HIGH RISK LEVEL. It clearly states hard inquiry falls off at two years. Its almost 3 years! 
I will attach all the inaccuracies in the screenshot pictures Ive taken. 

I am applaud at the fact I was denied the chance to rebuild my credit do too the fact Experian refuse to properly report. Purposely taking accounts that are in a bankruptcy and use it against me twice. After being notified and properly disputed lots of accounts providing documents about the issue, Experian refuse to remove the active bankruptcy accounts allowing all these accounts to completely ruin my entire report! I went 3+ years trying to recover from losing my home and everything I worked hard for very very minimum inquiries, no new debt and able to pay the outstanding utility bill. Only to find out the massaive damage Experian had caused to my credit report and scores. 

Experian has done this on purpose its no mistake. Because even after notifying Experian providing solid proof all of the accounts, hard inquiry and derogatory reporting remained. if that wasnt bad enough Experian continue to falsify and edit dates turning 3+ year old bankruptcy debt into new and current accounts that are seriously late, past due, high risk etc. I couldnt get a vehicle and Ive been wrongly denied credit because of this. 

I plan on pursuing the company for damages. Bankruptcy court will be notified of how Experian aggressively used bankruptcy debts to severely damage my credit profile. Violating my consumer right to fair reporting. 

I have attached screenshots of the damages. 

I do not deserve to be treated this way. And plan to make all the information public do others will know Experian is damaging your credit profile keeping your scores very low even youve done everything right.
Product: Debt collection

I received a letter in the mail dated XXXX XXXX2024 stating that I owe {$200.00} to XXXX XXXX XXXX. I was never sent proof of this debt and attempts to get more details online asks for sensitive information to be confirmed. I will not confirm any information until I am notified of the proof that this debt belongs to me. Before now I have never received any correspondence about this debt.
Product: Money transfer, virtual currency, or money service

Complaint against CashApp. 

I had a fraudulent transaction occur on the account. There wasnt too much information provided in regard to the transaction and my only recourse was to obtain a new card. The problem I had is that all of this transpired via chat. There was no opportunity provided to speak with as live representative. Much effort went into explaining my situation because a lot of context was lost in translation during the chat. Most of that couldve been avoided with the help of a live representative. 

After receiving the replacement card, I keep the account locked to avoid any fraudulent activity.
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.