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

I have disputed directly with Experian and XXXX both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. Experian failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! XXXX failed to list to whom the account was sold to which is a violation! Experian shows the last reported date as XX/XX/XXXX. XXXX shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! Experian has the date last active as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! Experian has the date of last payment as XX/XX/XXXX and XXXX shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! XXXX is reporting a payment history each month at OK while Experian shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.
Product: Checking or savings account

I have an account with Current Bank. Ive had the account as my sole and only bank account for last two and a half years with no issue. Until someone fraudulently gained access to my account on XX/XX/22 and drained what was in it, and knocked it into the negative. They changed all of account information to their own, locked me out of my account, moved my money from my savings to my checking, and made two transactions at XXXX, ( {$320.00} & {$100.00} ) and XXXX XXXX {$15.00} ) in a city that Ive never been to in Florida. I live in XXXX XXXX, MO. The bank, ( Current ) had to change all of my information back to my own, and get me back into my account. They have all of the persons information that did this, including their email address and the home address, and phone number. None of the charges are indicative of my usual spending habits, nor were they made in the city and state that I live in. I gave them information from the merchant and other corresponding evidence for the fraudulent charges and they closed the dispute in nine days, stating that I had no grounds for a dispute. Current did not do any type of investigating and they didnt lock my account because the hacker ( s ) still had access to it And added my new card under their XXXX XXXX I let the bank know this and they did nothing to protect me. They have no phone number to reach them at, you can only leave voice messages and pray that someone gets back to you. They have stopped responding altogether since the dispute was deemed invalid and wont answer any correspondence from me at all. Ive reached out to their parent bank, XXXX XXXX and they sent me over to Current so again, said there is nothing they do besides an appeal. But when I inquired about the appeal information they stopped responding. That was four days ago and Ive heard nothing from them. Ive reached out to the XXXX  as well too investigate their business practices as a whole. I just want help and to be treated like a human being. I live paycheck to paycheck and those events put me back drastically. Its very insulting that after all of that, the bank added another layer of insult and refuses to acknowledge the fraud, in the face of irrefutable evidence, and return my monies that were stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone over an alleged debts. I am requesting validation of these debts.These accounts have been reporting inaccurately. I want to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. These errors need to be looked into, so please do your investigation on this and remove or delete these accounts and correct the errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account Number:XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX  XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX Account Number : XXXX XXXX5 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Today I spoke with XXXX XXXX XXXX Wells Fargo. I asked him about how my account was accessed. The scammers had my debit card info, phone number, and what bank I used. They were also able to enroll me in XXXX twice through access to my mobile app. I checked the daily limit of wire transfer through XXXX. He then said it wasnt through XXXX now. He said it was just a Wells Fargo wire transfer. I checked the daily limit of wire transfers through Wells Fargo. The limit is {$5000.00} or you have to go into a branch. The scammers were able to complete a transfer for $ XXXXfrom my mobile account to a total stranger. Why was this allowed and not stopped? Also I have XXXX letters accusing me of authorizing the transfer. XXXX stating the transfer occurred on XX/XX/year> and the second stating the transfer occurred on XX/XX/year>. I feel my account has been hacked or compromised and they are shuffling me around to make me go away. I do not feel they were able to do a proper investigation in XXXX hours or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are my last chance because I want to have justice because I have found account that I do not recognize. I can not understand why I have fraud account in my report. I am used by someone and Its Identity theft issues I am sure. SO I am begging you to help me and delete this account because its killing my score.
Product: Credit card or prepaid card

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called BMO Harris Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, I was reported 30 days late to the credit bureaus. I am still currently in the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by BMO Harris Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought this to the credit bureau XXXX attention, to have these accounts deleted from my credit report, confirmation # XXXX. Experian case # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as Equifax, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to XXXX, XXXX, Equifax and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by XXXX and Equifax and deemed as accurate. My question to XXXX and Equifax is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Product: Debt collection

I have disputed this alleged debt with AWA collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Money transfer, virtual currency, or money service

i started using Robinhood around last XXXX, I started using and slowly by slowly it got up to {$36000.00}, time passed by and I wanted to withdraw my money from the app but it wouldnt let me fully completed my transaction. My wife also tried to withdraw the money from the app Robinhood but instead she accidentally deposit another {$36000.00} around there and with the cents and everything it adds up to {$72000.00}. Around the end of XX/XX/2021, I realized it was becoming serious because Ive waited a month to see if the app will ever unrestricted my account but they never did. I went online and made research to see if I can find Robinhood Customers service number as I couldnt find it in the app. My wife had found a number and handed it to me. We called that number and she said that she was from Robinhood, she and I worked for XXXX weeks, she made me XXXX money to these random people, trying to make me send $ XXXX to XXXX, then I had an instinct that this was a scam so I made a fraud report to my bank. My bank got everything back for me except the fact the {$72000.00} they said they cant help me with that and suggested I should talk to their employee. As Time pass by Ive found Robinhood official customer service number in the app. I requested a phone call and even they said the first person that I called was a scammer. Robinhood said their security were tight when it comes to talking with customers so they said theyll require me to email them, my ID, social ( back and front ), also bank statement and so on. Ive send them everything. My XXXX to XXXX attempt of calling them, they kept saying they havent receive my information of the requirements documents so but as I was impatient, I kept talking back to them and they said theyll look into it more, XXXX mins later they told me theyve found it. Then I made an official claim with a case number. Three weeks passed by. EVERY SINGLE time they kept telling me it is getting reviewed by the reviewing teams, I said give me their number so that I can keep in touch with them as I want to personally ask them whats taking them so long? The employee replied with were sorry sir but the reviewing team dont have numbers for customer and their only way for them to communicate with others is through email. he continued, Ill put this into an account and send them over again. Its been 2 weeks yet. Im not getting no where and I attempted to call them last week Saturday around XXXX and they said they need me to send them the require documents over again. I went to my bank two weeks before and the banker suggested I make complaint to consumer fianc as you guys can help me get my money back faster and gave me the link. Please help me get my money back.
Product: Mortgage

Sps servicing evidently bought my mortgage from original. I called for a payoff on XX/XX/XXXX and the amount was XXXX. I paid {$500.00} through my bank XXXX on XX/XX/2021 and my regular payment of {$490.00} came out on the XXXX of XXXX leaving a balance of XXXX somehow they took these payments off and added them back on the next day. They are saying I owe XXXX dollars I have a XXXX statement which show the amount due as {$1000.00}. Since then they have tried to keep taking payments from my account which I have blocked. I have called numerous times to talk about this and keep getting the same non answers and you can not talk to the same people ever. I need help this is ruining my credit. My account number XXXX and the company is Select Portfolio Servicing out of Utah. I believe they have had any complaints. Please hep me XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX charged {$860.00} & {$350.00} on XX/XX/XXXX, a full week after authorized to charge ending up in over {$1200.00} in overcharges in my account, which shouldnt even be able to overdraft XXXX,  let alone {$1200.00}. I was spending my COVID stimulus on XXXX and the balance was released back to my account apparently on XXXX but the authorisation still took money out on XX/XX/XXXX when it should have expired 3 days after not being charged on XXXX ( XXXX at the latest! ). Difficult events to thoroughly & efficiently explain but tell me what clarifications you need.
Product: Checking or savings account

On XX/XX/2021 I requested to close my account with Chime Bank and receive the balance of my account ( over {$1000.00} ). As of today ( XX/XX/2021 ) I still do not have the check that Chime indicated would be sent to me after the closing of my account. I have contacted them an exhaustive number of times and each time I am told that my issue will be sent to the escalation department who each time tell me the delays are due to COVID and they will reprint the check and expedite shipping. Yet here I am. With no " reprinted '' or " expedited '' check. It does not appear as though I will be able to get out of this circle of contacting them, being told it will be escalated and expedited, only to sit here without money that belongs to me and has caused a negative financial impact on me and my family.
Product: Credit reporting or other personal consumer reports

I haven't checked my credit report in a while and noticed a ton of inaccurate information I reached out to all three credit reporting agencies that they were reporting wrong and inaccurate information I gave them the correct information of the only thing that I want on my report I even sent copy of my license, auto policy and financial statement which all had what was correct I called several times before I decided to mail the above documents and they can't seem to get it correct how much more proof do I need to send to them to correct inaccuracies I thought that by law they had to only report with XXXX percent accuracy Please advise?
Product: Debt collection

I contacted them several times asking for the transactions that were charged and to what stores. I have asked to see the original documents that I allegedly signed and they refused. MCM Midland can not give me them as they do not exist as I never did business with this company ever. I do not owe them any money as I never signed for a credit card with them and they need to remove this from all credit reporting agencies as they supplied fraudulent information to them saying I have an account with them when I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX XXXX, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Product: Debt collection

Debt was owed over years ago and this is the 2nd debt collector trying to collect this from me, I paid XXXX  over XXXX and moved my service to XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I needed to get my car fixed. I was told Koalafi would finance the repairs. The cost of the repairs was only {$1000.00}. They have been taking {$110.00} out of my account every XXXX weeks for months. When I went to see when this will be paid off, I saw that {$770.00} has been paid and to pay it off it would cost {$1200.00}. I don't under stand how if I only borrowed {$1000.00} and I've paid back {$770.00} how is the payoff {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill is incorrect i have disputed it with the collection agency and they asked me to submit documents which I did and its under dispute, Experian keeps saying information is accurate when its not I have provided proof to both Experian and collection agency showing this is incorrect and this error needs to be taken off my credit report- collection agency keeps telling me to dispute it with the credit bureau XXXX I did 2 of them took it off expect Experian. Experian should Protect me from fraud and false information on my credit and they are not- when I asked them how does the dispute coming back as accurate they said we dont know ( I have disputed it 5 times ) I asked do you see any billing or anything showing this is accurate they said no ( recoded line ) If all other credit bureau removed it because it shows its NOT accurate why cant Experian? This needs to be removed and they need to do a better job investigating disputes by looking into actual bills and documents I have uploaded.
Product: Credit reporting

I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, /XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX