23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, XXXX, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, XXXX  and TransUnion that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Product: Checking or savings account

On or about XX/XX/23 we saw a transaction on our business account for {$140.00} that we did not make. We contacted our banking rep XXXX and Customer Service. We were told Bank of America knew this to not be a reputable charge and they would reverse the transaction and it would fall off the following day. This is the next day and the charge went through and Bank of America said we will have to submit a fraud complaint. 
We informed Bank of America of the fraud charge on our account and Bank of America said we would not be charged but we were charged anyway.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach, publicly acknowledged by Equifax in XX/XX/year>, which exposed the sensitive personal and financial information of millions of individuals, including mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.
Product: Mortgage

On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? 
On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 5 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These CAN NOT be accurate because the XXXX XXXX  late payment says it was 60 days late but on XX/XX/year>, it shows no data, which is CLEARLY INACCURATE. Also, The XX/XX/year>, XX/XX/year> and XX/XX/year> late payments all are saying 120 days late, which is another CLEAR INACCURATE REPORTING! I demand these payments be updated to paid on time immediately or that the entire account be deleted. Thank you
Product: Credit reporting or other personal consumer reports

The erroneous reporting of a late payment on my consumer credit report provided by XXXX XXXX, XXXX, and Experian. 
Creditor Name : XXXX  Account XXXX Date of Alleged Late Payment : XXXX XXXX Violation of 15 U.S.C. 1666 ( b ) : In accordance with 15 U.S. Code 1666 ( b ), I have the right to dispute any billing errors or unauthorized charges. The late payment reported by XXXX XXXX, XXXX, and Experian is incorrect and a violation of my rights under this statute. At no point did I make a late payment on the account listed, and any information suggesting otherwise is false. I have attached proof of timely payments made to the creditor, including bank statements and payment confirmations. 
Violation of 15 U.S.C. 1681 : Under the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S. Code 1681, I have the right to accurate information being reported on my consumer credit report. By falsely reporting a late payment, XXXX XXXX, XXXX, and Experian has violated this statute by failing to ensure that the information they report is accurate, complete, and up to date. This misinformation is damaging my credit score and standing, which constitutes harm. 
Request for Immediate Action : I hereby demand that XXXX XXXX, XXXX, and Experian : Immediately remove the erroneous late payment entry from my consumer credit report. Investigate this matter and correct any other inaccuracies related to my credit report. Provide written confirmation that the disputed item has been removed and the appropriate corrections have been made.
Product: Debt collection

We moved out of my rental apartment with XXXX XXXX XXXX on XX/XX/2020. We received follow up bills for utilities payments, as well as move out fees deducted in excess of the security deposit totaling {$160.00}. I contacted the company for further information on what the charges had originated from. I also highlighted that upon looking at our previous rental agreement, we had been overcharged on a monthly basis per their admission earlier in the contract signing phase of our agreement. We had requested additional information on the charges and inquired as to if the excess charges would be refunded, and were told that information would be provided before finalizing the charges. This information was never provided, even after following up with the company 3 times. Less than ( 1 ) month after being told we would receive the information and finalized charges, this debt was sent to collections unbeknownst to us.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX., I made a {$20.00} purchase in a stock on CashApp. The transaction was to be executed at XXXX XXXX when the market opens. I had noticed the transaction never went through. So, I proceeded to try and cancel my purchase. I received a notification that the refund couldn't process. I continued and nothing would happen at all or sometimes it would day error or network connection error. My gripe is why wasn't my purchase processed at XXXX XXXX. when the market opened, and when it was suppose to anyway. Then, my money is just sitting on CashApp 's platform, when it was suppose to be invested. Now, they are holding my money not allowing me to access it. This is unethical and a little shady. What if that {$20.00} that was meant to be invested into a stock accumulated from it's investment. Now, I wouldn't know because CashApp illegally held my money, and now will not release it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  Date Opened XX/XX/XXXX Balance {$860.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$610.00} XXXXInquiriesXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had went to XXXX XXXX to look for a new car. They had asked me to fill out a sheet for registering with the dealership. This sheet included my social security, but I specifically stated that I do not want to run a hard credit check and that I was simply just looking. Despite my clear intentions they had ran XXXX hard credit checks, through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This took a significant hit on my credit and I am unable to get any type of loan needed. I am able to start disputes with all but XXXX XXXX  as they had said they do not have any records of me or a credit check even after giving them my ssd and personal information. To be clear, absolutely NO AUTHORIZATION was permitted to do any type of credit check.
Product: Money transfer, virtual currency, or money service

Gemini Trust Company LLC XXXX XXXX, NY has locked me out of my account worth XXXX plus at the time I tried to access funds of my crypto currency, and cash deposits ticket # XXXX, and will not unfreeze my account. 

I initially had my email account breached so I emailed Gemini and ask them to put a freeze on my account around the XXXX of XX/XX/year>. I was able to remedy the problem with XXXX within hours of the breach and notified Gemini to unfreeze my account. After 50-60 emails later, and 13 days with computers glitching which I made video of I finally was able to comply with their wishes of me making a new email and password changes. But have still had no success in them unfreezing my account. 

I have gotten nothing but the run around and am trying to work with them but only feel I am being put through more delays, and hoops to jump through. Since this nightmare has started my bitcoin has taken a $ XXXX plus drop in value. 

I am an XXXX  living in XXXX  Ca. and this is full on Finacial XXXX  Abuse. I don't know how to make this company start acting like respectable human beings, and to hold them liable for the actions they are committing. Being that they are acting all together, employees and owners they are also conspiring together to bring harm to people financially is just plain wrong, and it needs to STOP!!! As a little self made woman, I find it really hard to understand the greed behind people like the XXXX XXXX, and what must be their company policy to defraud people out of their life savings. They just lost the XXXX XXXX lawsuit which I was not part of in the sum of XXXX XXXX dollars, I cant imagine them wanting to put themselves, and their employees in harms way of committing a felony-XXXX  abuse on top of all the other problems they have on their plate. My account was just a regular Gemini account and I should not have to be going through all they are putting me through. They have no phone support to remedy small issues. 
Thank you for your help to my situation. They have possession of my life savings, and I can not make my bills if they do not release my funds soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

a set of Hard inquires on Transunion report even with identity alert on file. I do not have open accounts XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a time share with XXXX vacation which was sold to me as a real property and I pay monthly mortgage only to find out that it was just a time share. So, I got the contract cancelled in XXXX, the account was charged off with XXXX balance since then. But somehow it says balance due {$660.00} although the account has been closed and says current balance {$0.00}. When I purchased my personal residence in XXXX and XXXX, this issue popped on my credit report and I worked with my lenders to get the deals over the finish line by sending in a check for {$660.00} but the check was returned because the account has been closed and they could not take the payment. So, I asked Experian to reach out the XXXX and resolve the issue, and told them I am willing to pay whatever is due if need be. They said, " we can't dispute this since the case is closed, if they are not taking the payment, there is nothing we can do '' then somehow they decided to dispute the claim, took my info and said they will notify me once they complete their investigation. Few days later, they emailed me saying " status remains ''. They told me I have to wait till XX/XX/XXXX before this " delinquency '' drops. I strongly believe this is wrong, and unfair. Experian did not make a good faith effort to resolve this case and I just need this to come off my credit report. If they properly disputed and investigated the case, I believe there would be a different outcome and I would like to see what their investigation, if any, uncovered. I appreciate all your help resolving this matter. Thank you!
Product: Money transfer, virtual currency, or money service

I was adding XXXX XXXX using Venmo 's XXXX account link and XXXX is my account too. After I get through the XXXX app and verify my accounts and link my bank. Venmo says They are suspending my accounts. XXXX could be fraudulent activities, and with doing so seizing all my money. I have no money to pay bills. I have no money to eati called. XXXX customer service 3 times the XXXX XXXX times the guy that people hung up to me. Maybe I used the wrong words but they knew I was not happy and they didn't care. They hung up and then a team member or team associate emailed me and said they need further investigation. After I have already turned in my driver 's license picture my personal picture and a copy of my or actually the picture of my XXXX XXXX card. This isn't the first time Venmo has done this to me. And created a pretty big financial hardship the first time.
Product: Debt collection

Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed. 
I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems. 
I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely. 

Company complaint about of a fraudulent XXXX bill. 
South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ... 
CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I had an agreement in 2018 to pay a total amount for the debt to be cleared. The debt was paid as agreed and I have tried to dispute this issue with TransUnion prior. TransUnion LLC has the debt on my credit report and it should not be. Specifically, the account should read Paid as Agreed and closed- in good standings. This is not what is reflected on my credit report. I have good credit and this is causing my score to be considerably lower than the other reporting agencies. Also, when I disputed this item with TransUnion I received no communication nor a copy of my credit report that I am legally entitled too. I have attached supporting documents.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> {$260.00} this company put on my credit report never notified me or anything
Product: Debt collection

I answered once, over a year ago. The recording said something about it being a debt collection agency. I hung up and blocked the call. They continue to call me daily, multiple times a day from various numbers ( XXXX numbers, XXXX numbers, etc ) ; different numbers, same name comes up : XXXX. I block the numbers when they come in and the next day, a new number calls. This has been happening for over a year.