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

XXXX XXXX XXXX XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had XXXX payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Credit card

XXXX XXXX : XXXX Dispute with XXXX  XXXX XXXX billed on XX/XX/XXXX for {$160.00}. 

No evidence of why the bill was incurred. Copy of office lease provided to documents team at Disputes at Capital One on XXXX  XX/XX/XXXX. Additional XXXX  of the parking lot provided to Capital One on XX/XX/XXXX proving NO SIGNAGE on lot premises of any violation. The vehicle was parked on the left side in photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there : XXXX XXXX  XXXX XXXX, XXXX XXXX. 

Please delete the following inquiries as I didn't authorize these : 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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Mortgage

This is a complaint for making false statements in regards to my complaint through CFPB ( A FEDRAL AGENCY ). 

1. You claim the picture that was sent to you on this complaint was not visible which is false. It is so false that the USPS read it so clearly they gave me another proof of delivery showing that they delivered my correspondence ( payments ) to your XXXX XXXX XXXX not XXXX as you falsely claim ( see proof of delivery ). So you are either claiming me and or USPS ( a FEDRAL AGENCY ) making false claims or YOU are making false claims which is a federal offence. 

2. You claim the correspondence ( payments with 2 checks ) I sent to you XX/XX/2021 ( XXXX ) was magically received on ( according to you and Rushmore Loan Management ) on XXXX XXXX ( with no evidence ). Again another false claim since the proof of delivery proves that this correspondence was delivered on XX/XX/2021 at XXXX XXXX. at your XXXX XXXX XXXX signed by whoever you have there. So you are either claiming me and or USPS ( A FEDERAL AGENCY ) making false claims or you and or Rushmore Loan Mgt. are making false claims which is a federal offence. 

3. You claim to have received only one check # XXXX and not two checks through this correspondence? Again this is a false claim since picture taken at Post Office in day of ( XX/XX/2021 ) correspondence being mailed ( XXXX ) to Rushmore Loan Management clearly shows 2 checks # XXXX and # XXXX with full amount payments. 

4. Regarding your claim that XXXX XXXX ( who supposedly signed for this correspondence ) does not work at your lock box, lets just say since you have made so many false claims lets assume this is another false claim of someone signing a wrong name or you making another false claim they do not work there frankly it does not matter since all evidence proves that this correspondence was delivered to Rushmore Loan Management at XXXX XXXX XXXX at XXXX XXXX  on XX/XX/2021 and signed by someone at this address through USPS with proof of delivery.

5. Since you have lost my check and or someone stole my check from your address I have put a stop check on check number # XXXX for the amount of {$280.00}. XXXX  therefor you RUSHMORE LOAN MANAGEMENT must pay this amount of {$15.00} to cover this stop payment. 

6. Also you sent a letter claiming you ( Rushmore Loan Management ) would not be adding any late fees since I had proof that I had sent you payment on time and to your address signed by someone there yet you continue to send me statements with late fees ( XXXX and XX/XX/2021 ). You must correct this immediately and send me correct statements with no late fees and you better have not given any false information to credit bureaus. 



I will await for this amount as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I have a cashapp account XXXX XXXX that has a balance of a few hundred dollars. I got a new phone for XXXX. I wanted to transfer my cashapp account to the new phone. I logged out of my cashapp account in my old phone. I attempted to log into my cashapp account in my new phone and during the authentication process I receive a prompt stating " we're sending you a link ''. However, no link appears in my email or text messages. Without the link, I apparently can not log in. Now I can not log in to my old phone or my new phone and can not access my funds. 
Section 3 of the terms and conditions states : " In case of errors or questions about your account, you can Contact us through your Account in the app ''. However, I can not log in to contact support. Section 3 also states : " You can also call us at XXXX ... ''. However, when I attempt to call that phone number, a recorded message says they are too overwhelmed to answer calls and that I should log in using the app.
Product: Credit card

I believe this is the second time I have to report this company. The representative from HHGregg told me, when I initially signed up for the card and purchased my refrigerater, that the purchase would be interst free. Once again, however, Synchrony Bank is charging me the ridiculous amount of 29.99 % interest on my account. Also, last month, I sent in my payment on time on XX/XX/XXXX when it was n't due until XX/XX/XXXX. On my bill this month, they charged me a late fee of {$35.00} which they refuse to remove. I believe this company needs investigated or at least my account looked into by a government entity like yourselves. This company has tried everything in their power over the coarse of my loan to extort more money out of me, and I 'm fed up with it. I am sending this complaint to the appropriate attorney general 's office as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple accounts on my report I do not recognize two time each XXXX Mortgage XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to file a complaint against Gemini Trust Company , LLC, a New York-based cryptocurrency exchange. Despite providing all requested documentation, my account with Gemini remains frozen since XX/XX/2022, preventing me from accessing my funds and engaging in further trading activities. 

I have attempted to contact Gemini 's customer support team on multiple occasions, but have received no response or satisfactory explanation for the suspension of my account. I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. 
I have attached copies of my previous correspondence with Gemini. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

myloancare.com website didn't have any information on requesting or how to do a loan payoff. I was out of the country and couldn't call them. Therefore I made extra principle payments due out the time with a final {$1.00} payment made to them on XX/XX/2022. However, they just hold up my {$1.00} payment and didn't apply it to my loan. So I made another {$1.00} payment on XX/XX/2022 and they still wouldn't apply it to my loan. On XX/XX/XXXX, XXXX they started to call my load delinquent and charged me late fees and interest. Then sent me several foreclosure notices. After I came back to the XXXX and called them on XX/XX/2022 about my account status. They not only didn't remedy the problem, they sent me another foreclosure notice and charged two more late fees with interest on XX/XX/2022 and XX/XX/2022. I called again on XX/XX/2022 and spoke to another account specialist and gotten a payoff statement with no payoff instruction at all and with all late fees added to it. I called again today still couldn't get the problem resolved. My bank had cancelled my credit card because they have report bad credit to the agencies when my account should have a negative balance.
Product: Credit reporting or other personal consumer reports

XXXX Bank XXXX XXXX, XXXX XXXX, and several other companies breach my information. I am a victim of identity theft and all derogatory statements and collections need to be removed immediately. Everything needs to be removed due to all my information being exposed in brench. Dont turn my dispute into a 30 day dispute incordance with 605B.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal information has been fraudulently used, resulting in items appearing on my Equifax credit report that I have no connection to. Following Equifaxs guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation. However, despite these efforts, the fraudulent items remain on my report.
Product: Prepaid card

I've been going over my account trying to get my funds back due to Fraud. Bank of America prepaid claims as agent misfiled my claim staying that I said I never received my card which I never stated that so now bank of America keeps denying my claim because there agents missfiling. I've called multiple times letting them know the claim was misfiled and they still keep denying it for the agents missfiling that card was never received it's almost like it's being auto denyed. They have already refunded all the other XXXX XXXX  and XXXX except these ones. I keep reaching out but it's like nothing is being taken seriously. I don't see how they can continue to do this to people I'm sleeping outside it is freezing in Ohio I almost froze to death last night I'm also XXXX and bank of America has no care and is improperly investigateing these claims. I can die out here and they don't care even though they are the reason that all this fraud was allowed on my account I've sent I police reports and identity theft paper but they still have n care. If something happens to me it's on bank of America because they could have help prevent this. it's not fair what they are doing to people and there lives because of a mistake on bank of America behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

they mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Payday loan

I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit
Product: Checking or savings account

In the middle of XXXX, XXXX, I went online to my checking account and I was completely in shock as to what I saw. My checking account was severely overdrawn, by several hundred dollars, because a mobile app came in that said Capital One in the amount of {$510.00} paying off my credit card in full. It put me in overdraft. The first thing I did was go to my bank and talked to the bank manager, XXXX, and told her what happened. She said all she could do was take 25 % off of the overdraft fees. She told me when I called her on XX/XX/XXXX, that I told her that I overspent on my acct, a lie. Well, while I was working on finding out what happened, my small SS check came in and paid the overdraft, which left me only with {$500.00} to live on for the rest of XXXX, XXXX. This was a supreme hardship, as I am a senior citizen and have no other income. I have been calling Capital One, and they said they can not do anything. On the morning of XXXX, XXXX, I went online, to Capital One to make a copy of my XX/XX/XXXX statement and it would not allow me to access that statement. It was the only month that I could not click on to get access. When I called Capital One, the man told me that I must be using the wrong browser, and I told him that I used XXXX and XXXX, which I always used to be able to get any month that I needed. I need to see my XXXX statement that Capital One is withholding from me. XXXX XXXX, where I made the claim told me on XX/XX/XXXX that they said the {$510.00} mobile app came into my checking account on XX/XX/XXXX, another lie, and if I can see my XXXX statement at Capital One, it would prove that. On top of all that, my credit score dropped 100 points, because I did not have enough money to make a payment.
Product: Checking or savings account

Horrible customer service, shady practices and really rude manager. I went to deposit a check with cash back and the guy runs the check, says I cant get cash back but can take check to XXXX to cash then bring back the cash for deposit. He STAMPED the back of the check stating " this would allow XXXX to cash it ''. I go to XXXX and they cant cash it BECAUSE ITS STAMPED ON THE BACK! I then go to Chase and talked to manager who is extremely rude. XXXX female manager that sits in office directly straight ahead when you walk in. She was really rude, short and sarcastic then tried to blame me although her worker is incompetent. 
Another teller deposited check, told me it would be available in morning. When the morning came, check was placed on further hold because it shows as a duplicate deposit! Loss prevention says it was because the man STAMPED THE BACK OF THE CHECK! Now my bills are behind, and I cant purchase the car I was attempting to buy ... This is the worst branch and people ever. The have shady practices and I wonder if there is some type of illegal activity they are doing.
Product: Debt collection

XXXX & XXXX Original creditor XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/year> I have already contacted and asked for the ORIGINAL purchase agreement, which was not sent to me. This is not my debt, nor do I have any acknowledgment of this account.
Product: Credit reporting or other personal consumer reports

Experian, remove XXXX XXXX from my credit report for inaccuracies. You reported me late while XXXX reported me on time. Remove immediately this account as it is inaccurate. Keeping it will be a violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told this company reporting Credit background information on me. Company called FACTORTRUST.com. When i contacted them and discovered, old information 5plus years, accounts i have never heard of, derogatory information ( false information on me ), and my XXXX XXXX  discharge in 2020 removes any creditor information. This company refuses to update, report accurately, remove information that negatively affects me that's inaccurate or false. After contact and verifying my identity, the company responded to my requests as follows " Good Morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims, including a copy of a valid police report or an identity theft affidavit for any fraud related dispute items with corresponding dates. This supporting documentation can be mailed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I verified who i am but the excuse to remove this information and yet report to companies such as XXXX has negatively impacted me. I have never received any report of any information from this consumer reporting agency associated with XXXX. I have had similar problems with XXXX. This company refuses to follow consumer guidelines and refuses to update or remove invalid information that is 5-10 plus years old that dishonest, out of date, or simply false and requested proof of such accounts but they are making ME get a report of identity theft to remove this information THEY are reporting without a Registration to the Consumer Financial Protection Bureau .

They have never showed up on any report until now and have been giving false information on me.

I have requested the proper information be updated and removed and they have refused under the guise they have to have ME do an identity theft report in the middle of buying a house. They are reporting on consumers without notifying consumers they are doing so and have old, outdated or false information they have no investigated or accurately reported on consumers and therefore breaking the law and hurting consumers by negligence.
Product: Credit reporting

equifaxXXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks shows charged off account ( should be closed / included in chapter XXXX ) chapter XXXX was filed on this account on XX/XX/2015
Product: Checking or savings account

Hi there do you know why I cant get a account in my own name there I tried there but some one else made a account with out my permission there and had my info can you close out that account and close it up so I can get a new account there
Product: Checking or savings account

Bank kept taking money out when there was lack of funds in the account and then charging the account overdraft fees when the bank knew of low funds and still took out money when the account was low on funds
Product: Debt collection

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Moreover, I certify that I am authorized to initiate this dispute under FEDERAL and STATE Legislation. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or something utilized my personal information without my consent to apply for products, services, or money and was successful.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX  XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$760.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX