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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXXXXXX XXXX - Account XXXX : XXXX  Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$8400.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Bank of the West started to charge my business account for monthly account fees without notice. The first time I found out about this is when my credit report showed a collection account for the 2 accounts for  amounts of {$100.00} each in early XXXX. I reached out to Bank of the West whom confirmed that they removed all fee waivers in XXXX of 2020 and upped the charge from {$10.00} a month to {$25.00}. I was never notified and they had my correct phone number on hand and should have called to inform me at any time.
Product: Debt collection

In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.
Product: Credit reporting

Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXXI signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Product: Checking or savings account

I originally opened my Chime Account so that I can move money into it and have another source for funds whenever I needed. I regularly move money into this account and it has never been an issue, but on XX/XX/XXXX, I attempted to transfer more than the allotted limit into my Chime account causing it to be locked. Ive been going through back and forth communication with this business via email and via phone and neither have made a strides towards resolving my issue. In email, every time I submitted the required documents or tried to respond to the email to ask questions to the agents they sent me the same email requesting documents again. I complied and yet those emails kept coming. Now abruptly, they told me via email that my account was closed and that I would not be getting a refund, I read the Deposit Account Agreement and didnt see where I violated and asked the company to provide further information, instead of doing so they sent the same automated email again refusing to explain why my funds were taken. To further explain my issue, I explained to Chime that the money I deposited came from my XXXX account. I received the money from. A Client for my freelance social media work and I moved some of it into that account so that my account would not be empty. I sent emails to Chime on XX/XX/2013, XXXX, XXXX, and XXXX XXXX and each time I kept getting automated messages. The support team at chime assured me that my funds would be secure but now they are telling me that they have been seized, I would like to get this issue resolved as soon as possible. The only reason why I can try to understand why they closed the account is because they said it cant be used for business purposes, however the account isnt used for that. Chime allows transfers and all I did was moved some of the funds from my account into this account. I had more than the needed amount in my main account so I moved some to chime to increase my balance which isnt a violation On XX/XX/XXXX chime emailed me and said my funds would be returned in 30 days and so for the past week or so Ive been trying to get an update on that because its almost been 30 days, well today they told me I wont be getting any refund. 

I sent a complaint to the XXXX  and in response chime said that I could reach out to XXXX but if you look at my images every time I do that I get an automated message with discrepancies in communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major XXXX credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX   probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX  should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft several months ago and a account is still appearing on my credit file.
Product: Checking or savings account

I am trying to connect my bank account with XXXX XXXX 0n XX/XX/20.
Product: Debt collection

They have called me numerous times for a debt older than 7 years. They are now calling my Mother in law telling her to get a lawyer. It is harassment.

LVNV Funding
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatel XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes for incorrect addresses, incorrect payment histories being reported on my credit report. the company 's is only responding with a verified response. once I send method of verification letter, im not getting any responses.
Product: Debt collection

There is a collection showing on my credit report that I am not aware of and was never aware of. 

I just happened to check my credit report and see I have XXXX account in collections!
Product: Money transfer, virtual currency, or money service

I know that I have dividends coming from my cryptocurrency that keep sending me something from XXXX  phone is giving me an international transfer BIC number and when I typed them in I'm not receiving my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, An inquiry made by XXXX XXXX  also known as XXXX XXXX XXXX XXXX . solicited a credit report on me. I did not solicit any services from XXXX XXXX  in any recent years for their to be cause on the part of the Bank to make inquiries into my credit reporting history. I have filed a report with the credit reporting agency Experian which is the only credit reporting agency currently displaying the inquiry on my report. I have crossed checked with the other credit reporting agencies such as XXXX, and XXXX. XXXX is currently processing my fraud dispute on this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently was reviewing my report because of identity fraud and there is address XXXXXXXX XXXX XXXX XXXX  XXXX  listed I dont recognize..
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. 
XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2  COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

In XXXX, I unlocked a credit freeze on my account to apply for a credit card with an unrelated bank. Whether coincidence, tracking cookies, or credit monitoring, Capital One sent me an offer within a two hours of applying for the unrelated card. 

While I didn't necessarily need another card, the offer ( uploaded ) was for a XXXX card with a {$300.00} cash bonus if {$500.00} was spent within 90 days off account opening. I received a XXXX card soon after with a {$500.00} limit reflecting a counter-offer. 

Upon spending the {$500.00} minimum, I inquired a month later ( via phone ) regarding the status of my new account reward. The representative told me that sometimes the " promo codes '' drop and she would submit the request for review. Over the next month or two, I called back three additional times for an update. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ) who told me I was not eligible for the bonus ( no written or proactive communication was provided and if I had not called a third time, I would never known of Capital One 's decision. 

I told XXXX I that the card I received was a XXXX card which aligned to the email offer. He stated that there were different types of XXXX cards and the only I received was not eligible. The terms & conditions of the offer do not make a distinction on " different types of XXXX cards ''. When I asked where I could send documentation to be reviewed, he stated there was no address other than XXXX XXXX and he didn't know if that department could help. 

I would request that Capital One honor the attached offer. Additionally, I would also request the CFPB review Capital One 's promotional policies. If this is happening to me it would have to be impacting 100s if not 1000s of others who may just accept " There is nothing you can do '' as an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX XXXX and Transunion. The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. The Entire account Being Reported by The Department of Education XXXX is inaccurate and has affect my personal credit report tremendously.
Product: Money transfer, virtual currency, or money service

Paypal transaction with XXXX merchant on XX/XX/21. 

Refunded approved on XX/XX/21. Paypal promised funds back into account 3-5 business days and still have not received and no anticipation date of when I will be receiving them upon calling them.