23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft.
Product: Credit reporting

My former apartments sent me a " final bill '' for " repairs '' they say I owe for. I sent in multiple service requests for some of these and I have dates of every request. They paint the sinks, tubs and counter tops in the apartments. They paint in tubs started chipping. They received several notices from me through their portal about this. Unfortunately, I could not be out of my apartment for 4 hours at a time. I am a nurse and slept during the day. They made a claim for the carpet, which was old when I moved in ( some of the units had been updated, but I moved in to one that had not ) I had my own room sized rug on top of their carpet. The amount that is on my credit report as " due '' is not the amount they billed me. I think this is in retaliation for me filing a complaint along with pictures, which I still have, about the pool being green and moss filled. My granddaughter and I developed upper respiratory infections after getting into the pool. Once we realized there was green moss growing in it, we got out I was told I would receive pictures of the items I was being charged for. Another item they wanted me to pay for was a new handle on the microwave. They have several service requests about the microwave. The kitchen seemed to lean and the microwave door did not fit right. Maintenance came and fixed it at least once. The flooring in the kitchen is some kind of soft one sheet roll of something. It had a few scratch marks and spots where it looks nicked, like normal wear and tear on inexpensive flooring. Since this was not one of the updated apartments and it was not major, I did n't think anything of it, although I did not cause it. The refrigerator was so broken down I had to request service multiple times. It finally went out while I was at work and ruined all of my food I had just purchased. They reluctantly reimbursed me for some of the food and had to replace the fridge. The roaches were so horrible in this apartment it took 3 months to completely rid them. I informed the front office this was triggering XXXX for me. So, my question to you is exactly HOW was this confirmed? How do you confirm the validity of charges someone makes against you with no proof? If you would have received proof, you would have noticed the amount is not the amount you have on my credit report, it is much less. I never received the pictures of " damage '' they said they would send, nor have I ever received copies of receipts for " repairs '' they claim they had to make. I want both of these sets of documents/proof. I want to file complaint with the credit regulatory agency. Please review the accuracy of this charge and inform me how to file against them for retaliation. They may be able to confirm my name and that I lived there, but I never damaged their apartment.Because I have in writing, a completely different amount, this claim should be completely removed from my credit reports as inaccurate and false.
Product: Debt collection

I XXXX XXXX never entered into a contract or agreement with I.C. System based on the alleged debt that they sent me on XX/XX/2021 for a positive balance of {$62.00}. According to the Fair Debt Collection Practice Act, Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent is direct violation of 15 USC 1692c ( a ) ( 1 ). In Addition, Pursuant to 15 USC 1692b ( 2 ) which states you may not state that I a consumer owes any debt.
Product: Vehicle loan or lease

I make payments to M & T bank on this loan through XXXX XXXX 's bill paying program. I use this program to pay almost all my bills and never have an issue except with M & T bank. M & T bank does not credit my account with payments made and then duns me late fees as well as reporting missed payments to credit agencies. This is the second time this has happened which indicates someone is not doing their job. When I contact the lender about the unposted payments, I am told that if I use their bill paying program or website payment process, I wouldn't have these issues. I will refinance this loan with another lender but feel this predatory lending practice should be addressed by the appropriate agency so others are not ripped off by this lender. Churning an account to make fees is highly unethical and illegal. I can submit copies of the attempts XXXX XXXX  billing program made to make these payments if that can be of help.
Product: Credit reporting or other personal consumer reports

I received a postcard from XXXX stating my personal information was breached at XXXX. I have recently been sent a payment from this settlement for hiring credit agencies to help fix my credit however, XXXX has not been beneficial in helping me with disputes that was caused by their negligence. I need help in clearing up my credit file, I have accounts that I did not open thats charged off also inquires for accounts I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed I contacted the CHEXSYSTEMS to verify and dispute a wrong information posted about a closed checking account since XX/XX/2022 and did not get any response or update on my dispute as of today XX/XX/2022. This ground for removal. They also violated my rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S.C 1681 section 602 A. States I have 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: Debt collection

i demand this collection account be removed from credit report ( CREDIT CORP SOLUTIONS IN XXXX ). Per law 15USC 1692g, as the original credito only i can validate this debt, i do not validate this debt
Product: Credit reporting or other personal consumer reports

I sent dispute letter by mail and haven't received any updates on this matter. Reporting without my consent.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I downloaded an app for a company trading in Crypto currency called " eToro.com ''. I signed in giving all my credentials, snap of my driver license, Passport, and a selfie for my self holding my driver license all as per their request. and then proceeded to depositing a trial {$100.00} at my eToro account via direct login into my XXXX  XXXX XXXX account, then, I bought with the {$100.00} a crypto currency called Cardano ( ADA ), in the meantime I kept receiving more and more requests for my personal info that I have already summited. I got kind of spooky about this whole thing and decided to sell my position and withdrawal my fund. I sold my position for a total of {$110.00} t but, when I summited my fund withdrawal request a note popped up " We are unable to submit your request. Please contact our customer service for help '' so, I contacted customer service, Their respond was " issue is solved ''. I tried again to request fund withdrawal without success, I tried many times over and over and only receiving the note " issue solved '' and sometimes they ask me to send more personal credentials that I have already sent
Product: Credit card or prepaid card

On XX/XX/XXXX, I made my monthly payment for my Chase credit card for roughly {$3500.00}. After making that payment, I enrolled in automatic monthly payments. Chase then deducted XXXX payments from my Checking account for a total of about {$7000.00}. Chase argues this was my liability because I signed up for automatic payments after making my monthly payment. I did not have the funds for XXXX payments at the time, and my bank charged me an Insufficient Funds Fee. 

After contacting Chase, they refused to reimburse me for the Insufficient Funds Fee from my Checking account. Instead they said they would send me a check for the now negative negative balance on my credit card. Therefore, the XXXX payments that posted can not be rectified for their system mistakingly posting multiple withdrawals to my Checking account and the Insufficient Funds Fee is my liability.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened up in my name with XXXX XXXX XXXX XXXX and they are refusing to block/remove this fraudulent account from my Experian Credit Report, which they are violating the 15 U.S. Code 1681c-2 and 15 U.S.C. 1681b and 18 U.S.C. 1028A. My next steps is to take Experian and XXXX XXXX XXXX to court to file a lawsuit. A resolution would be for Experian to remove this fraudulent account from my credit report immediately and comply to the laws above in this paragraph.
Product: Vehicle loan or lease

On XX/XX/2018 I requested for a car loan to buy my first vehicle It was a used car The loan was approved, Unfortunately The car dealer he approved me to leave the parking garage With out a full cover car insurance that would pay for any serious damages to the car or the victims this was my first vehicle I thought I was paying for a full cover and he forgot to mention me the car insurance cover part now they over charged me for this car
Product: Checking or savings account

I attempted to use the USAA phone app to transfer {$100.00} from my savings account to my checking account. The transfer did not go through. It has always been instantaneous. I called customer service and the person I spoke with transferred the funds to an account that was charged off in 2017 that I do not have access to and I do not know if it is even my account without any authorization from me, verbal or otherwise. I was not even aware there was another account my funds could go to. I can't view it in the app or online at all. Multiple representatives told me this should not even be possible. 

I have spent hours on the phone and they keep transferring me in circles. Everyone has told me they are unable to fix the situation and all have refused to transfer me to anyone that can do something about it. 

The last I have heard is I have lost access to my funds until someone reviews a brief call days from now.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

On XXXX I had a hard time getting my card back out of a ATM machine. Since it took too long, the ATM indicated it cancelled my transaction due to timing out, however it indicated to my bank account the funds were withdrawn. My card holder did an investigation and you ATM still indicated the money was withdrawn.
Product: Debt collection

Portfolio Recovery Association has entered a lawsuit without validation of debt as requested. I also never signed a legal contract with portfolio recovery Association nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and been provided with nothing but a lawsuit.
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 violate the consumer financial protection act. Specifically Cash app ( Block , inc ) failed to take timely and affective measures to address fraud on their platform. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have cause significant inconvenience and financial loss. I seek justice for these issues. XX/XX/year> a fraudulent payment was sent from my cash app account of {$250.00} and on XX/XX/XXXX XXXX separate unauthorized payments of XXXX were sent from my account as well.
Product: Debt collection

On XX/XX/2018 a medical collection account appeared on my credit report. I called the collection agency and told them that the account was not mine and that is was someone using my identity ... I disputed the account several times with the credit bureaus and also with the creditor ... And they are saying its my account ... the account name and address are different than mine .... please help me i don't want to pay for something i had nothing to do with ... .The balance on the account is {$3400.00} ... i sent dispute letters on XX/XX/2018 and XX/XX/2018 ... I also called the credit bureaus and disputed the account over the phone ....
Product: Credit card or prepaid card

On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. 


Under 15 U.S. Code 1681 e ( 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.

Under 15 U.S. Code 1681 i 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 modify 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. 


Please remove the following items from my credit report immediately : EQUIFAX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXX XXXX XXXX XXXXXXXX was added to your report. This account was opened on XX/XX/year>. 


XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/year> XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ONLY PHONE NUMBERS ASSOCIATED WITH MY NAME AND SOCIAL SECURITY NUMBER ARE ( XXXX ) XXXX and ( XXXX ) XXXX. 
**Please remove ALL other phone numbers on this report! They are fraudulent in nature!!
Product: Credit reporting or other personal consumer reports

I have notified the three credit bureaus of unathorized accounts on my credit reoort and they still havent removed them. I have sent identity theft reports along with identifying documentation. I know they have a specific time frame to respond back and they haven't responded yet i want these accounts removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Payday loan, title loan, or personal loan

I have had this loan for about a year now. I have not been able to pay it off. They keep on adding more fees and higher than before. I just want to pay it off. I only borrowed {$100.00}, at first then they kept offering more and more, up to almost {$500.00}. I told them that I didn't want to borrow anymore money from their company and I just want to pay them off. I've been sending them about {$100.00} every month but even more fees are added on, and the amount owed is not being reduced by them. I seriously want to put this loan behind me very much. They say that I owe them about {$800.00} maybe it's up to {$1000.00} by now according to them, regardless that I've been paying {$100.00} per month on my loan. Seems to be a scam to me.
Product: Debt collection

My name is XXXX XXXX I have been garnished by a company by the name of Midland Funding LLC in the amount of 25 % of all income that been pay to me by my employer, starting XX/XX/XXXX that stated by my employer, I have no such account with this company when reach out to them they told me that they brought this loan from a company that is no long in business. I was told that the company that they brought the loan from in XX/XX/XXXX has send me information in XX/XX/XXXX which I did not received. The amount in question is {$6200.00} so I am asking CFBP to stop that garnish from been affective and also refund any money that has been pay out to them before my case is completed and also notified all credit bureaus of changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Credit card

Hi, I have tried to contact the Crypto.com XXXX support in order to close my card with them starting on XX/XX/XXXX, but have been ignored after a lot of attempts to contact them. I sent a support message on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the app and via email with no response. I tried calling their support number and it just continues to ring with no answer until I'm disconnected. I don't know what else to do in order to cancel this credit card. There is no balance on the account. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may Conc ern, Experian Customer service would not help me and take care of the negative inquiry reporting to my credit report. The inquiry name is  XXXX   XXXX   XXXX  date  XXXX / XXXX / 2017 . Thank you in advance.
Product: Credit reporting or other personal consumer reports

Wellsfargo bank utilizes a credit report company and continued to withdraw money from my account after I tried to stop the service. A representative ensured me that a check in the amount of {$600.00} would be mailed to me to rectify the issue months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose.
Product: Credit card

1. Have very strong credit history and payment history with all credit cards 2. In XXXX I applied Amex Delta card for XXXX miles + statement credit, which I did n't receive after 4-5 calls ( every time being assured and waiting few weeks ). Finally, was told wo n't receive miles, so had to cancel the card. 
3. I kept getting similar offers from Delta & Amex, which I ignored 4. While booking my Delta airlines for Alaska, I once again got offered as part of the booking, which I confirmed to receive before applying as part of ticket booking 5. I met criteria in less than a week to be sure 6. After not seeing miles or credit, I called. Was assured after lengthy discussion and informed to get call in a week. 
7. Same thing happened 4-5 times, but there was no follow-up call & each time getting to know " by mistake case has been closed, but will be taken care in a week this time for sure '', only for me to call after a month to be again given false assurance. 
8. Finally after few months, I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was read terms & conditions, all other assurances were just sales gimmick. 
9. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.