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

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2019 this company purchased an old Business Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and Experian credit reports. 

Account Number - XXXX
Product: Mortgage

In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed a payment on the following accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX still hasnt updated my XXXX XXXX account I paid this account.this account is well over 10 yrs old I called to get proof from them to show I paid it but because this account is so old it is no longer in the system. The dispute number for this is XXXX on XX/XX/19. This still shows derogatory/ profit loss
Product: Credit reporting or other personal consumer reports

Acct ending in XXXX with an acct balance of {$820.00} is paid off and closed still showing balance and negatively damaging my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the companies about the accounts not having the correct information,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from SYNCB/PAYPAL. 
I tried speaking with PayPal but was ultimately disconnected. I called XXXX XXXX & the advised me to file this complaint. Please note this was unauthorized & fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX  XXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX
Product: Credit card

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX XXXX  failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a perfect payment history and a great credit score. Yet, for some reason Goldman Sachs/Apple has blocked all future spending on my card. I cant get any answers from them. The only thing Im being told is we will mail you a letter at some point. This is in really poor taste especially during the Pandemic for someone located overseas that needs access to funds. I have no idea what to do or what I have done to get restricted. If they planned to issue me a card for only such a short time I would never even have applied for it and allowed them to do a credit check ( which decreases the score significantly each time that happens ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft, People have use my information to open them, I am requesting that those charges be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX. Before moving from XXXX to LA on XX/XX/XXXX my vehicle was stolen. I filed a police report and reported it to my insurance company immediately. XXXX did not pay off the auto loan until approximately 8 months later. XXXX expected me to continue paying the loan while i had no vehicle living across the country. I provided XXXX with documentation of the police report and the insurance claim as well. XXXX and XXXX have removed the account from my report. Transunion has not removed the account despite the fact that ive disputed it several times. XXXX will not fix the issue either. It is unreasonable to expect me to pay on a loan when i didnt have any means of transportation. XXXX XXXX who is in charge of the loan reporting for XXXX claims that XXXX is reporting correctly to transunion and is unwilling to change the reporting status to " closed - paid as agreed ''.
Product: Credit reporting or other personal consumer reports

Capital One reported a ( late payment ) on my report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Experian fails to correct reporting issues from XXXX now XXXX  student loan services without investigating. XXXX reports a balance owed as {$150000.00} for attending XXXX XXXX. These are fraudulent charges for attending 1.5 years without getting a XXXX  due to increased intuition and change program plan. 2 ) reporting XXXXXXXX XXXX XXXX Bad reporting has affected my credit score.
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 XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Had money sent to a person I do not know on my bluebird card by american express on XX/XX/2019. It was two separate transactions one  was {$600.00} and the other was for {$390.00}. Once I discovered these transactions I called bluebirds number on XX/XX/2019 was told fraud department was closed and to call back on XX/XX/19. Called bluebird fraud department on XX/XX/2019 reported money taken out of my account that I did not authorize. Was informed that an investigation would take 45 days and that I most likely will not get my money back, even though bluebird by america express advertises fraud protection they dont protect you from it.
Product: Checking or savings account

The Department XXXX XXXX XXXX sends military soldiers payment when they retire and Chime is trying to steal my payment. The VA verification process verified it was sent to Chime today but the app and website never posted the federal funds deposited to me account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered unauthorized credit inquiries on my Transunion credit report. I contacted TransUnion about the credit inquiries in question, and I was told I needed to contact the creditors directly to get them removed from my credit report. I contacted each of the creditors as instructed, but was told that they did not show any inquiries being made with my personal information on their end, and to contact TransUnion to have the inquiries removed from my report. I contacted TransUnion and informed them of what the creditors told me. TransUnion told me the that I would have to file a police report and mail it to them if I wanted the credit inquiries removed from my report. I filed a police report as instructed, and sent TransUnion a copy, along with a letter disputing the unauthorized credit inquires. I mailed the requested information to TransUnion via certified mail on XX/XX/2020, and they still have not removed the unauthorized credit inquiries from my report.
Product: Prepaid card

On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.
Product: Money transfer, virtual currency, or money service

I was scammed and zelle would not refund me my money. I contacted my bank and they told me I'd have to request a refund through zelle for services not received. Unfortunately zelle was unwilling to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX  has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX has violated my right. 
15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Bank account or service

Ditech mortage claims is not releasing funds for a home repair in a timely manner.
Product: Debt collection

I was a XXXX XXXX customer for over XXXX years when I decided to stop my service and start streaming. The XXXX XXXX associate did everything he could to keep me as a customer. His final offer was to use XXXX XXXX streaming service for an acceptable rate. 
When I went to put the app on my TV after hanging up I realized that the XXXX XXXX  app was not available on my tv or any of my streaming devices. I immediately called XXXX XXXX  back to resolve my issue. I was then told that I would have to open the app on my phone then cast the phone screen to my TV. I explained that this was unacceptable and that I would not be able to use their services. This all happened within XXXX hours and I was never able to access their streaming services on my TV. 
XXXX XXXX then sent me a bill for my streaming service that I never used. 
Their collection agency has now put their fraudulent charges on my credit report and I would like it to be removed. 
The {$140.00} would be a small price to pay to get this off my credit report however I feel the necessity to fight these charges as I feel these charges from XXXX XXXX are predatory at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Inc. has been attempting to take actions against me in the amount of {$7500.00}. It is showing on my credit report that the account was opened XX/XX/2020. The original account was opened with Capital XXXX. Someone took over my card, copied down the numbers and made multiple purchases and cash advances using the credit card. I tried to inform the original creditor, Capital XXXX, of this and they refused to reopen the account or remove the fraudulent charges, even after being notified of the fraud.I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay Midland Credit Management , Inc .
Product: Credit reporting or other personal consumer reports

Fraud, I did not authorize no one to access my credit profile according to federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion because I paid down some of my bills but instead of raising my credit score then lowered it by -27 points while the others raised my credit score, I tried to contact them but the website never logs you in as there is always a problem with it no matter what, I have tried calling but no luck. They by far are the worse credit reporting agency. All I want is my credit raised as where it should be for paying all my bills on time not being penalized, like Transunion has done ( -27 ) that is wrong that I pay down my debt and they lower my credit score by -27 points. How can this be? How do I get them to fix it?
Product: Money transfer, virtual currency, or money service

Paypal is the worst and most incompetent XXXX XXXX XXXX on XXXX XXXX, and here 's why : They implement security locks on your Account that are random, broad, arbitrary, prejudicial, incompetent, and indiscriminate. Paypal has a Rating of F- at the BBB, - XXXX at XXXX XXXX They outsource everything to the XXXX, and XXXX and No one employed at Paypal has been trained, has disclosure upon ; including but not limited too : how to help Fix your Account, understand or diagnose any problems, XXXX & know Any technical aspects whatsoever irrespective if your speaking to the XXXX different Departments they transfer your Call too the same Result to your Acct is being Permanently Locked out by Security!!! 
in sum : Paypal puts you in a metaphorical Transactional Prison Each & Everytime and they don't give a XXXX!! If you want to burn minutes of your Life for no reason or recourse call Paypal. The XXXX Department and Fraud Departments are outsourced as well to XXXX world nations.Everything they do or Not do at Paypal is driven by a Bot, programmed geeky dichotonmous linear Algorythms that jail you as no one employed at Paypal or on XXXX XXXX can understand, provide insight, competently diagnose, deliver status updates, provide in reality an ETA of legitimacy to actually Fix, understand, Remedy or Restore your Account whatsoever!! 
By anyone 's stretch of imagination as these Paypal representatives are Not Trained their XXXX has a vested interest too kerp them stupid so they can line their own pockets. XXXX XXXX and XXXX XXXX started Paypal they should buy it back and Burn it to the XXXX!!! Paypal XXXX frankly have their heads up their collective Paypal XXXX!!! In Fact Paypal collects XXXX of millions in Unearned usury Exploitive transaction fees that are Criminal and when they do not disclose something anything & make repeated errors in communication, disclosure, and instructions in your Account management they still charge you with No recourse by you or your proxy.These paypal XXXX plug assclowns are 1000 % incompetent XXXX worlders in All Remediation they still Charge you like the Giant Parasite they are likened to a Huge Financial Tick Sucking your blood till you lose consciousness into perpetuity!!! Paypal 's XXXX, XXXX, and ignorance in the XXXX Alienates their customers to jump ship everyday to competitors who dont treat them as # XXXX on an xlsv spreadsheet!!!! Like me!!! 
Paypal has Locked my account just for attempting to send a meager sum of {$130.00} payment to a XXXX attempted to be charged to my cc. 
If you make a 'mistake and accidently select goods & services ' instead of 'friends & XXXX ' like I did Paypal XXXX XXXX your Account and Lock its settings for Punitive Fraudulent activity at Random without Notice or Any Explanation!!! They did this to me and they will do it to you Guaranteed - the only item they XXXX is screwing the customer from behind and charge you fees for it.I hate Paypal and You will TOO if you don't already!!!
Product: Money transfer, virtual currency, or money service

I received an email from Venmo / PayPal about a recently opened account and that they would be sending me a debit card shortly. I immediately reported it to both companies as fraudulent activity. Neither has responded.

Yesterday I received the debit card with a bank account I have never heard of. I immediately emailed them again.
Product: Checking or savings account

Capital one offered a XXXX savings account at interest rate of 4.35 and I opened one. In a summary, Capital one did that has an entry or way for individuals to sign up and changed it to a much lower rate 0.3.