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

This is my NUMEROUS request 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX
Product: Debt collection

Person by the name  of   XXXX   XXXX   sa id he was an  investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number (  XXXX  )  XXXX  and told me to call him back at (  XXXX  )  XXXX . The first number is from  XXXX  and the latter number is from  XXXX , FL. This is illegal for debt collectors to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i checked my credit score with TransUnion and i had increased with a 72 points. After i check agian as soon as XX/XX/2019 because i like to keep track of my credit score ... ..So on that date of XX/XX/2019 i decreased 73 pionts, dont understand why? So i wanted to get a anwer from TransUnion as in why i decreased 73 ponits since i havnt dont anything to effect my credit score this way Or if this was a error, if so please correct. Thank You
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXXinancial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Synchrony Bank closed my Sams Club Credit Card this hurting my credit score. Their solution the problem was to reapply for a new account, one again hitting my credit score, as they swore up and down that they could not reinstate my account. I tried paying off my credit card early and the payment bounced 3 times because synchrony bank takes 7 days to move money and they will only let me pay from my checking account, not a savings, so my funds are always fluctuating. Whats incredibly ridiculous is the closure of my account without any contact to me. On top of this they closed the account even though none of my payments were late or overdue, they just disliked that my payments bounced. I wasnt even overdue or late or anything of the sort. The entire situation is ridiculous.
Product: Credit card

This account was open without my permission, I did not authorize this account, and I did not sign any paperwork for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had my profile in a special department that they will not explain. I have no idea what this department is nor am I able to get in contact with any representative via phone. I have left voicemails and never received a call back. I am unable to dispute via phone because of this issue. No representative can explain this special dept Im in. 

I have sent letters to dispute the incorrect information showing on my credit report. Transunion continue to respond with a copy of my credit report. 

I can not dispute via phone. 
I can not dispute via Mail. 

The company claims in response to my complaint that on XX/XX/21 I called and had an inquiry removed via phone. I have never received any correspondence in regards to this not have any representative given me the opportunity to dispute anything on my credit report. 

FCRA states I have this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as Navient informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Product: Debt collection

Ginnys.com is blatantly reporting false information on my credit reports and causing my credit rating to be affected. I have called and asked them to remove the false information but they sent me a letter saying no and that my request was deemed frivolous. I have a confirmation number to prove that I paid the account in the amount of {$44.00} in XXXX and not XXXX like they are reporting. This is unfair and affecting my credit rating. This is blatantly reporting false information. This false report has caused me to be denied the opportunity to get approved for other credit accounts.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint with an explanation that's once again ridiculous and insults people 's intelligence. YOU STOLE MY PAYMENT HISTORY OF ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND you give a response that there's nothing you can do LIE LIE LIE LIE LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Product: Credit card

On XXXX XXXX XXXX, I received a message from Macy 's American express asking if I was trying to make a fraudulent charge in the amount of XXXX, I replied no, then they called me to verify and cancelled the card, buy they went ahead and authorized the charges, plus XXXX more, for a total of XXXX. 
I have sent the dispute letter XXXX times already, call them on a daily basis and they have n't resolve anything.
Product: Debt collection

vehicle was totaled due to accident which, i was not in the wrong for.
Product: Credit reporting

Personal formation stolen from Department of Veterans Affairs. 
Many attempts to gain credit cards by hacker caused hard hits on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, XXXX and Experian ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any results.
Product: Debt collection

received a credit card statement from an unrecognized bank. The statement contained numerous charges and totaled {$14000.00}. I called the bank and reported fraud. The person took a report and froze the account. Advised me to file this report with identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Experian and I am listed as authorized user on a XXXX credit card. I do not have a XXXX credit card and I did not agree to be an authorized user on anyones card. I called XXXX and was told they have no information that I have a card issued by them nor my name as an authorized user on any of their credit cards. I put in a dispute to Experian and did not receive any information so I thought it was corrected. Today on XX/XX/2022 I check my credit report and it says according to my dispute in XXXX of this year my dispute was denied and the information will remain on my credit report. This balance on this account according to Experian has increased from approximately {$2000.00} in XXXX to {$6600.00} now in XXXX. This account is not mine and no details were given why they say it is mine. My credit score is XXXX. I have been diligent to pay down all my bills. This credit card is going up. This does not coincide with my use of credit. Please help resolve this matter.
Product: Credit reporting or other personal consumer reports

Transunion is not doing there due diligence and correcting issues on my credit report that I have disputed more than once. They've added 2 more month of incorrect data on my credit report without my authorization. An account can only be charged off once and no data should be reporting after the charged off date because the company has already counted it as a lost. I have explained this to them and they added more incorrect information on their own within 3 days of me disputing the account. How can a proper investigation be done in 3 days? My consumer rights continue to be violated. Not to mention the creditor is not being fully transparent and I am being effected. This company has already removed this account from the other two credit bureaus ( XXXX & XXXX ). How can this account be deleted from two other bureaus but valid on this one? Transunion is refusing to follow consumer law and I am being serverly affected and looking to seek legal action at this point. There response to all my CFPB complaints is they need more time which prolongs the investigation and they still do not properly investigate. Attached is the two results within days of me disputing and nothing was changed but things were added.
Product: Credit card or prepaid card

I got my unemployment in XXXX of 2020 and have XXXX dollars in casino  charges and a XXXX  XXXX  XXXX  on line gambling I have XXXX even heard of if you look at my statements that have same day casino charges then XXXX charges in XXXX XXXX from each other I have almost had a nervous break down due to just trying to recive a paper statement then to have them freeze my account 7times have to wait for a card change my adress to my neighbors get disqualified from end dividing understand why give me some provisinalncredit reverse it say you paid me XXXX and lied about giving it back to me I need my money back I have called merchants casino they tell me to call bank for help I can ony do so much
Product: Student loan

So I have been in touch with Navient for a month or so about my financial situation and my difficulty paying off my loan with the current monthly premium of {$390.00}, and they asked for paperwork that I provided them with. But they never lowered my premium. In fact, I received an email from them today asking for {$790.00}! That is the double the original amount, which I had a hard time paying. So instead of lowering my premium, they doubled it. So I believe they are overcharging. Then I realized that there are lawsuits against them regarding the same complaint. 

Meanwhile, I have applied for the PSLF program and got accepted, but that has not processed for some reason. Again, I read about the XXXX XXXX XXXX XXXX ' lawsuit. An organization that I am a member of. 

I have worked for governmental institutions part-time since XX/XX/2009, and full-time since this year. I love my work, and I love XXXX XXXX XXXX as a XXXX. It unreasonable and unethical for Navient to have me go through all this unnecessary and unjustified stress!
Product: Money transfer, virtual currency, or money service

Bank of America recently updated its XXXX interface so that when I share the transaction receipt with the recipient, it now displays my account balance alongside the transaction details. This was not the case before, and the bank did not notify me of this change. As a result, I unknowingly shared my account balance with someone else, which I consider a serious privacy violation.
Product: Checking or savings account

I have several problems here with a company called Chime there was a scam or hack on my chime account from other company called XXXX XXXX. 
which is left me with no money for 7 to 10 days they refused to send me a card after they canceled my card I wanted the card overnight and they said that it would take 7 to 10 days to get my chime card and mean while I'm suffering because I can't use any money that's in my account and the money is quite substantial.

cooperative they won't give me in a card overnight and I need this in order to survive I have no funds to survive for over a week.

see how this can happen or let or let chime let this happen or cash app with this happen cuz it seemed like it happened overnight I think it was through the through the morning every every 2 minutes either 49 or {$99.00} was taken out of my chime account from cash app I don't even have an active cash app I've complained to cash up about the same problem and giving them the transactions that that I have seen in my my transaction account from chime it seemed it happened from last night to all morning every 2 minutes money was taken out of my account from chime.

so if the substantial amount that was taken out {$100.00} says from the something State Fair.

I need this card so that I can survive it's the only count I have I'm on a fixed income on social Security I'm retired I need this money in my account so I can eat pay for gas pay for bills I have no other way to do anything except for this chime account.

I need this chime card sent to me as soon as possible... 
right now the date is XX/XX/XXXX so this was to happen started to happen sometime early in the morning like XXXX in the morning I think it was through the night somebody's taking {$50.00} every XXXX minutes out of my time account from cash app I gave cash app the transactions and I've already have given the information to chime and complained I need a card overnighter to me so I can pay my bills and eat and get gas. is an awful way to treat customers how am I supposed to to pay bills when you have no access to your money and chime is not helping me they're saying XXXX to 10 days to get a card and I can't wait XXXX days I'm not going to be able to survive 7 days without no money.
Product: Checking or savings account

I stopped by my local Wells Fargo branch to withdraw my funds and close my account.. When I walked up to the door they had a notice stating that they were not allowing people in the branch office and all transactions needed to take place using the drive-through. I went through the drive-through and told the lady I wanted to close my account. She said couldn't do that inthe drive through. I told her I tried to go into the branch but its closed. She said she could give me my money, but I'd have to either make an appointment or call customer service to cancel. I called customer service and was told I couldn't because there was a pending transaction that needed to clear first. That transaction is from when the drive thru lady gave me my money. I'm filing a complaint because I know Wells Fargo is now going to charge me a fee for not maintaining a minimum balance. They are delaying my ability to close the account on purpose to charge me a fee. It's wrong. This should have been a simple transaction but they are creating a situation where I'm now being forced to pay a fee I shouldn't have to.
Product: Debt collection

I received a notice thru my XXXX  monitoring that on XX/XX/XXXX Receivables Performance Management, XXXX WA placed a collections acct on my credit report in the amount of {$230.00}. I contacted them proactively to learn that it was due to a fraudulent acct being set up with XXXX, a cable and communications company in GA. 

I contacted XXXX  to try to sort out the situation and they would provide me very little information other than the address .... XXXX XXXX XXXX ; XXXX GA. Opened in XX/XX/XXXX and they closed in XX/XX/XXXX. I explained I never lived or know anyone who has lived in that area or address. All they had was my name and social.

Since that time I have received daily calls from Receivables Performance Management. I have requested each time they send me the the forms required to officially report this a fraud. They, after 5 requests have still not done so. I have also informed them they are calling me a work and to stop ... they continue to do so everyday. As a result my credit score has dropped 122 poin
t from approximately XXXX to the low XXXX 's. 

All I am asking is to not harass me at work and to aid me in filling the needed paperwork to clear, They are required to do both at my request so I am filling the complaint against them and XXXX.
Product: Debt collection

Wakefield and Associates are in violation of the Accuracy in Reporting Medical Debt Act of 2013. Wakefield place this medial debt on my credit report before the 6 month grace period to allow my to pay the debt. Which I was doing. 

Below are the 2 account I have attach the credit report showing this violation 1. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

2. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX  and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

I have included the FCRA violation below. 

Accuracy in Reporting Medical Debt Act of 2013 - Amends the Fair Debt Collection Practices Act to prohibit debt collectors, during a 120-day period, from reporting a medical debt ( arising from the receipt of medical services, products, or devices ) to any consumer reporting agency if the consumer, within a specified timeframe, disputes the validity of such debt through a written statement that the consumer is : ( 1 ) continuing to communicate with an insurance company to determine coverage for the debt, ( 2 ) disputing the amount or existence of the debt, or ( 3 ) awaiting a determination on an application for financial assistance when the consumer provides evidence of such application.

Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts listed that I did not open. Please remove these accounts, as they are negatively affecting my ability to obtain credit.
Product: Debt collection

Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan  with THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, THE BUREAUS ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Debt collection

American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act 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  has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.