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

I got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Effective XX/XX/2022 the time period before an unpaid medical collection debt would appear was increased from XXXX XXXX to XXXX XXXXr per XXXX credit reporting agencies. XXXX XXXX has put XXXX collection unpaid medical collection on my report XXXX and XXXX these were only XXXX XXXX  old and should not be on there this has dropped my score XXXX points. On top of that i have XXXX XXXX  and they should XXXX XXXX not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id XXXX Pcp information None selected electric payer ID XXXXXXXX XXXX XXXXXXXX XXXX XXXX. All this information was given to them. I want this removed off all XXXX credit reports as soon as possible.
Product: Debt collection

Please reference complaint ID XXXX. It has been closed by the company. Though it did provide additional information it is without resolution so I am trying to get clarification as to my knowledge XXXX has closed and has no direct way to reach them. The last email I was able to receive regarding my bill from XXXX in XX/XX/2019 stated the physician claim was billed incorrectly and was being appealed. Afterwards I only received a facility fee bill and have never received any bills about a physician fee. I contacted XXXX  today to get clarification on the physician portion as I no longer have access to the claims since they are over 24 months. They also stated the physician fees was processed incorrectly so they will be refiling which can take up to 30 days.
Product: Debt collection

This DEBT COLLECTOR company sent me a letter, stating that I owe {$1500.00} which I am disputing because this debt isn't mine. I have asked this company to sent more information about this debt. I am requesting XXXX. I would like to see a copy of the original purchase agreement showing that this company legally own this debt by the original creditors. 

I would like a copy of all statements from open to close of this account. 

I want to see a copy of the bond that shows you're legally registered in my state. 

I am not receiving the information I am requesting. I dont know anything about this account. It has my name, however, it's a few names like mind that was in the house. please send me a copy of the bill or statement with my signature. I need more then a printed bill with NO signature
Product: Credit reporting or other personal consumer reports

I have reached out to Experian several times about the inaccurate and abusive reporting they are currently doing on my account. The account DEPT OF EDXXXX is inaccurately and improperly reporting on my credit with experian as opened when it should be closed just as they closed the duplicates of it. Instead they have changed the name, the balance and put payment dates on this account when I have not paid anything else on this account since last year because it is closed. 

I am positive experian is not using a human or truly investigating my disputes because the last dispute experian started the investigation on XX/XX/2023 and it was verified and completed on XX/XX/2023. The account should be closed and deleted. Experian has not responded back to you with my dispute results as closed. Its some fraudulent activities going on and I am keeping tabs on the back and forth and will not stop. I actually mailed this same information in to them as well today. 

Please help experian get this resolved. This is a violation of my consumer credit rights on so many levels.
Product: Student loan

I have been trying for weeks to get ahold of my Student Loan Servicer MOHELA and can not get through to anyone after waiting hours on hold to try and get a refund for payments I have made during the pandemic. Initially their website " customer service phone number '' directs you to Studentaid.gov it's not even their phone number. There isn't any application for refunds or anything on their website regarding this. I Have also tried to email them from their website twice with no response.
Product: Student loan

Multiple payments made over the last 5 years and applied to the wrong accounts. I have federal and private loans totaling XXXX. I would make payments for the amounts given for each individual loan, but they would apply the amount to the wrong account. This happened so often and for so long that I have had to push my loans into deferment multiple times stacking the debt over and over to the point that I can no longer afford the payments. After working with Navient over and over again, they still are applying the wrong amounts
Product: Checking or savings account

US BANK is unreasonably holding my social security deposit. 
Federal government benefits like social security benefits are protected from withholding. 
Also, generally government checks like social security checks deposited into a bank account have to be made available by the next business day. 
And your response dated XX/XX/2023 to my CFPB complaint # XXXX does not address the key issue of the unreasonable hold to my social security direct deposit completed on XX/XX/2023. 
To date, US Bank has held my social security benefit direct deposit for at least 9 days. 
The length of the hold on my security benefit deposit is unreasonable. 
US Bank did not provide prior notice for the need for a longer hold on the availability of my social security benefit deposit.
Product: Checking or savings account

On XX/XX/XXXX Chime suspended my account for suspicious activity from deposits I received from Kentucky Unemployment. They said they needed documents from me and two business days to clear up the issues, so I complied. The next day they needed more documents, and continued on this pattern the entire week, until XX/XX/XXXX they informed me my account was closed and it was determined I was not eligible to receive the remaining {$250.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries fraudulent in my report XX/XX/23 card assets in equifax XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of charge-offs listed on my credit report associated with account numbers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( NOT MINE PLEASE REMOVE ) XXXX XXXX  : XXXX XXXX XXXX XXXX ( how is it paid in full and charged off? REFUND ME ) XXXX XXXX XXXX I understand that these accounts were charged off ; however, Under 15 U.S.C . 1681 ( e ) ( b ) of the Fair Credit Reporting Act, information on a consumers credit report must be accurate and up to date. If this debt has already been written off as a loss and claimed on taxes, why is it still being reported on my credit file? ( i paid for first premier to be paid as agreed but they accepted my gift and wrote it off on their taxes and stil report derogatory on my report i need a refund ). A charge-off should be recorded only once, and continued reporting may be inaccurate.

Additionally, since it is a charge off a 1099-C Cancellation of Debt was issued for this account, & I should have received a copy. I never received one, which raises concerns about the legitimacy of this reporting. If the debt was canceled or forgiven, it should no longer be negatively affecting my credit report, and for tax purposes I need those documents.

I am requesting a pay-for-delete agreement or a permanent removal of this charge-off from my credit report with monetary relief for the damages for seriously harming my lively hood and chances to buy a home. I expect to get a response swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : XXXX
Product: Credit card or prepaid card

I use the account in question for a monthly subscription charge of {$170.00}, subsequently always paying the statement in full. 

Issuer disabled online access to all of my accounts, citing " suspicious activity '', even though no such suspicious activity took place ( I never used my login on any new devices for months prior to them citing a " suspicious activity '' that wasn't suspicious at all -- I'm a XXXX XXXX XXXX, and the activity on account was not at all suspicious at any point ). 

Issuer prevented me from accessing this online account, from accessing statements ( which were only available via logging into the online account, as they do not send them by USPS anymore ), and from making payments. 

Issuer prevented the recurring charge from going through ; I had to change the recurring charge to use a card from another issuer. 

It was not possible to contact the issuer. When attempting to contact the issuer, repeatedly, at about XXXX CDT, repeatedly, I'd get a message that their business hours are XXXX to XXXX. But I was already contacting issuer during said business hours. 

Subsequently, after many tries trying to contact the issuer, the access to online account was reenabled ; to my surprise, the account in question had a balance and a late fee. I paid the principal balance right away, but I do not believe I should be charged interest and late fees when it's the fault of the issuer for randomly disabling access to account and not staffing their customer service line during the advertised business hours of 24/7.
Product: Checking or savings account

I had another fraud attempt. I made a complaint back in XX/XX/XXXX regarding complaint XXXX, where someone pretending to be me came into the branch and claimed over {$19000.00}. Now that same situation is happening again. On XX/XX/XXXX someone again went into the bank with my information added a joint to the account and took XXXX from my account. They made two cash withdrawals from the bank in North Carolina a state I've never been in. As a safety precaution the fraud team added a passcode that the banks need to verify if I attempt to go in the bank. Well guess what, they didn't ask the man for a passcode. Even when I went into the branch no one verified the passcode with me. Why is no proper verifications ever being taken, this is the second time this has happened to me with US Bank. Even now I feel like no urgency is being taken to get my money back. I go to the branch, they tell me to call fraud, I call fraud and they tell me to go back to the branch. This whole situation could have been easily avoided if someone just read the notes and verified that they have to verify the passcode with me. There needs to be more penalty and compensation this time around. This was a huge L for USBank. You expect this to happen maybe once with a bank but twice in less than two years is just an embarrassment. I'm incredibly disappointed. In the future hold the bank tellers accountable because they will skip over basic verification processes just because you have an ID and not even look that this account was suspect of fraud in the past. It's lazy and irresponsible and it ruins lives each and everyday.
Product: Checking or savings account

I deposit my check at Fulton drive-thru XXXX XXXX XXXX XXXX PA every week. Once, a while back, I deposited a check at Fulton drive-thru, told the employee I didn't need a receipt - then when I logged into my Fulton account it did not show the transaction like it always does, because Fulton employee knew that I didn't take my receipt. I sent Fulton a message asking if they had robbed me, and the employee decided to deposit my funds in my account after all. Today XX/XX/2023 at XXXX, I went to the same Fulton drive-thru, I believe it is the same the same Fulton employee who today took my checks and {$100.00} cash for which I asked for {$40.00} back - then gave me the receipt showing the deposit but not my cash! I asked her for my money and she went to get it. Since I can't see my previous messages on the Fulton website I don't know the exact date. But Fulton should check my old messages for the date of the old message to determine who was the cashier that day, and if it's the same one who tried to rip me off again today - FIRE HER AND FILE CRIMINAL CHARGES. Attached is a photo of the employee who tried to rip me off today. this is the second time that Fulton employee has tried to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a Dining set at Conns XXXX XXXX in XXXX Texas XX/XX/2021 ( Address XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX ). Its called XXXX XXXX dining Set.I requested for return XX/XX/XXXX. The display in the store is washed gray, however I received chocolate brown which is clear that it is a factory defect. I went to the store twice, emailed the customer service and called multiple times. A lot of times I get ignored with my emails. They only approved me for exchange but they refused return. It is clear in their website and in the invoice that a final sale which they include furniture can not be exchange or RETURN UNLESS inspected by service technician and found to be a FACTORY DEFECT. I would like to emphasize that the dining set I bought is Regular price as what is reflected in the invoice. I would also emphasize that I did not received a copy of the invoice until I asked for it the second time I went to the store. I was only given a copy of instructions about the delivery on the day of purchase but not an invoice that includes their Policy on return and exchange. 
Yesterday XX/XX/XXXX, I requested for service technician to come to my house to verify or check the furniture but they refused, I was told by the customer representative that they usually would require pictures if it is color discrepancy. 

The reason why I am returning the dining not exchanging it is because I lost confidence on the quality of their merchandise. For me it is a substandard quality. It did not undergo good quality control. They are inconsistent in manufacturing it. I feel that my right is being violated by forcing me to buy something that is not worth the amount that I will be paying. 
I would like to complain about the way they make their policy. It is very tricky to the customer. They did not emphasize during at the store that this certain item is included in the final sale. Also they are doing false advertisement on their policy, if you notice there is discrepancy on the way it was stated in the website compared with that was written in the invoice. It is fruad if they are inconsistent, they are tricking their customers. 
My ticket number XXXX
Product: Money transfer, virtual currency, or money service

I use a app called blockchain to buy and sell crypto XXXX ov XXXX I sent a payment ov XXXX to the normal details I have to send and this money didnt come to the account this time I have tried to email the company to sort this but I just get a ticket number and no reply after that its been like 4 month now am just wondering how this can be resolved Ive tried every effort to contacts it them with no clear response
Product: Credit card

Around XXXXXXXX XXXX, I spoke with a representative who agreed to process a waiver for a {$30.00} late fee. I also asked for a replacement card to be sent because I never received the initial card. 

On XX/XX/, I received a text notification indicating a balance of {$62.00}. I called customer service and was told the representative did not process the waiver, resulting in another {$30.00} late fee and an additional {$2.00} interest fee. 

A supervisor waived one of the late fees, but the company refuses to waive the other late fee, despite the generation of the second late fee being due to a failure on behalf of their employee.
Product: Checking or savings account

I opened an account and then they closed it after I funded it after wards they were rude and said they didnt have to give me my money back till they sent a check I later tried opening an account again after a year and they said that they made the decision to stop doing business with me in XXXX  even though I opened an account with them last year and are not giving me any reason or details as of why
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this to you already Equifax refuses to physically verify information on my report after repeated four request letters, stating that fact that I would sue them on the fourth letter they still refused to do the physical verifying have a collection on my report
Product: Mortgage

I am the seller of the address listed XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The buyer was obtaining an FHA loan through Bay to Bay Lending XXXX Florida XXXX XXXX XXXX # XXXX Fed XXXX # XXXX. On XXXX XXXX, 2015 the title company closed this property HUD 1 was approved and full loan package was signed by the buyer XXXX XXXX XXXX. On XXXX/XXXX/15 XXXX XXXX advised that the Mortgage broker had made a mistake they would not fund the transaction. I was then advised that they made a mistake and another appraisal was necessary ( at my expense ) After incurring Attorney 's fees and numerous expenses the transaction was finally funded XXXX/XXXX/15. HELP! this is wrong
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt that in fact therefore exist. ( Please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My name is XXXX XXXX. I write in reference to my American Express serve card. Ive used it for years without incident. My salary is loaded onto the card, XXXX $ after taxes every two weeks. My card was on me in NJ when I received texts about decline fees. 
I checked my account and XXXX $ had been taken moments earlier at a cash machine in XXXX. My card was skimmed at the XXXX store that has no fees to withdraw. I filed a fraud complaint certain serve would credit my account for the money stolen from me. They denied my claim and claimed no evidence of fraud. I researched the company and found many similar stories. Serve is not investigating the claims fairly. They are allowing my money to be stolen. Please help
Product: Credit reporting or other personal consumer reports

I took a 12 month bridging loan against my property in XXXX  with the aim of selling it and paying back the loan. When the loan expired and I hadn't sold my flat yet, I tried to negotiate a means of payment with them with a lawyer. Unfortunately, they did not want to negotiate and they took me to court where they took possession of my property. Despite me having gone to XXXX XXXX and all the other things that they recommended to stop the interest charges whilst they were marketing my property for sale, they did not stop the charges. On top of that it took them conveniently over a year to sell! Which meant that they continued to accrue interest for a year at an exorbitant 9 %. After the second year they reported my account in default to Experian. I argued to Experian that my account could not possibly be in default because there are no repayment options in place due to the bank not wanting to negotiate a repayment option with my lawyer and due to them not stopping the interest charges when I went to XXXX XXXX. Therefore, if there are no repayments options to default on, how can I be in default? 
They told me that because they are not financially regulated, they can't do much more other than put it to the bank, which they did, and they insist that I am defaulted. 
On my credit report I have several mortgages that I have settled in the past and they all show the monthly amount that we had agreed on to pay them back. Yet, they continue to show this account in default without any explanation on what I have supposedly defaulted on. I still have another 4 years of this. 
I can not explain to you in what ways this has impacted on my life, including placing me on some private web of theirs most probably run by their XXXX XXXX XXXX. I can't find work, my emails get diverted and they are doing everything they can to sabotage my life. 
Please can you ask Experian now to delete this from my account, it's bad enough with what XXXX XXXX XXXX  are doing to me. I also wish monetary compensation from both Experian for reporting non-sensical information even though they are not financially regulated and to XXXX XXXX XXXX for reporting nonsense about me to all the investors round the globe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month XX/XX/2022 I was contacted by my mother who was on the phone, she mentioned that she was at US Bank, my mother purchased a car at the beginning of the year Im not entirely sure what this woman was doing but my mother has a history of financial abuse and my mother has also stole my identity and been abusing my Social Security number for far too long so Im kind of wondering how XXXX XXXXXXXX excuse my French but how XXXX XXXXXXXX this woman was able to get my credit loan eligibility ran without me present at branch And without any written consent or even a courtesy call by the XXXX bank teller to double check that my mother was not someone who has actively been trying to get a hold of my personal information and abusing my Social Security number for most of my life. Because those individuals at the banks even if they know my mom they dont know me and the situation because of this take a group do a lot of damage is giving civilians access to other civilians blood relative or not information this is really upsetting to me and I dont feel safe Id like to know that my bank is actually protecting me instead of exposing and exploiting me, Im XXXX XXXX XXXX very busy and I dont have the time to protect myself from my own mother but Id like to know that my bank would not allow my mother to gain any form of my information ever again without my permission written consent form or near proving that I am XXXX I am by showing my identification I doubt they even asked her for her Im appalled and really dont feel comfortable about the
Product: Credit card

Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!
Product: Debt collection

I never received any information from the hospital or collection agency that a debt was being issued for nonpayment. I never received bill.