23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My address has been deleted from my credit report. I have provided this information with the utility bill and my license multiple times I have requested supervisors. I had made several phone calls and I am unable to get my address correctly, reflected on my credit report. I have been unable to reach anyone to help me and experience has locked my ability to see my credit report for over six weeks now. There are other inaccuracies that they are reporting as well, but I can not get them to respond to those because I can not even get them to verify my identity, even though I keep giving them proof of it.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX am I had regular day to get ready for work. When I wake up I see my phone to check the weather but that day it was very shocking I saw a message telling me my Coinbase account has been breached. After that I tried to login Coinbase I couldnt login then I tried to change password I couldnt. Then I saw almost 200 emails which is telling me I transferred this amount of Bitcoins at this wallet address like this Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase XXXX account. To facilitate this transaction, you paid XXXX XXXX in network fees. After that I find out my XXXX phone is out of service. So I had to change my sim call XXXX and they help me to restore my line. I complained to my local police and they give me a case number then I also reported to the fbi. Now I have headache mourn for my money my wife is crying day and night. Our hardworking money go all on a second. Now Coinbase they cant help me to restore my Coinbase account I called them 10/15 times. They just send me an its my responsibility to protect my password. But police want to what IP address the guy login and all the transactions in my account but Coinbase cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 Account # XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Started with XXXX phone calls from " Chase '' this morning saying someone tried to open a new credit card under my name ( they gave me last XXXX of my social ). I said I did not try to open new account and I would call them back. They did not like that and hung up. When I returned home I called my Chase Credit Card and they advised me that did not happen. The phone # 's were : XXXX, XXXX, XXXX. 
A few hours later I received a call from XXXX XXXX, same thing, XXXX XXXX.
Product: Debt collection

On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Experian had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 1681g it states Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 


I requested my report from Experian on XXXX, it has passed the 30 day time frame given which is a direct violation of my 15 USC 1681 rights. 



Based on this law I can collect these damages 15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Debt collection

I Paid this debt in full to another collection company years ago and LVNV has the same debt on my credit that has already been paid. THIS IS CONSIDER DOUBLE JEOPARDY. I have summited information to the bureaus over and over years ago and they will not remove it. I did have proof and had summited proof but it's been so long now that I do not have that company I paid this too. Also LVNV has been reporting each month on my credit as a missed payment and has up the total that was actually owed like they are the creditor. 

The amount that I shown XXXX which is incorrect. The report each month as a late payment. I do not owe this collection. I want it removed from all bureaus...
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX, 2022, I SENT A XXXX XXXX XXXX XXXX XXXX, ROUTING # XXXX, RECIPIENT ACCOUNT # XXXX. THE AMOUNT OF XFER  WAS {$XXXX}. I WAS RETURNING THIS MONEY THINKING THEY HAD INADVERTENTLY XFERRED  THIS MONEY INTO MY ACCOUNT. I HAD OPENED MY BANK STATEMENT IN ORDER THAT THEY COULD RETURN {$XXXX} THAT THEY CLAIMED THEY HAD CHARGED ME FOR SUPPOSEDLY HAVING JOINED XXXX, WHICH I HAD NOT. WHAT I SAW DURING THE SFER WAS THE AMOUNT SUPPOSEDLY BEING XFERRED WENT FROM {$XXXX} TO {$XXXX}. THINKING SOMEONE HAD PUNCHED INTHE WRONG AMOUNT I ASKED HOW I COULD RETURN THEIR MONEY. THEY GAVE INFO NOTED ABOVE. WHAT I DID NOT REALIZE IS THAT THEY HAD XFERRED THE MONEY OUT OF MY XXXX  ACCOUNT TO MY CHECKING ACCOUNT. AT THE TIME I DID NOT EVEN THINK ABOUT HELOC ACCOUNT, DID NOT REALIZE SOMEONE COULD TRANSFER MONEY FROM THAT ACCOUNT WITHOUT ANY TYPE OF INFORMATION. MY COMPLAINT IS I TRIED TO GET INFORMATION FROM BANK OF AMERICA CONCERNING DATE & TIME MONEY WAS AVAILABLE TO SCAMMER, AS WELL AS DATE & TIME THAT THEY RECEIVED STOP XFER. MY REASON FOR REQUESTING THIS INFORMATION, IS ON THE XXXX OF XXXX. I RECEIVED A TEXT MESSAGE FROM SCAMMER ASKING ME WHAT HAPPENED? THIS INDICATES TO ME THAT SOMETHING HAPPENED THAT DELAYED XFER, POSSIBLY STOP RECALL MESSAGE. I CALLED BANK OF AMERICA ATTEMPTING TO GET ANSWERS, WOULD NOT TALK TO ME BECAUSE THEY SAID I WASN'T A CUSTOMER. IT THEN TOOK BANK OF AMERICA APPROXIMATELY 5 MONTHS BEFORE THEY NOTIFIED XXXX XXXX XXXX THAT MONEY WAS NO LONGER AVAILABLE. STILL HAVE GOTTEN NO ANSWERS TO ANY OF MY QUESTIONS.
Product: Credit card

I have opened XXXX credit cards with chase ( all valid applications, verified with documents etc ). Each of these I have used and made payments to from my personal bank accounts. Every time, without a doubt, the card will be marked as " Closed '' and in up in the XXXX Department, which is just an off shore call center where phone representatives are useless to help. Chase continues to send my accounts to this purgatory for XXXX reason. My most recent card I even OPENED IN THE BRANCH ( My Sapphire Card ). I used it for several charges and then sure enough It gets closed and sent to the XXXX Department despite me being in person to apply. I would like someone from Chase to contact me to help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several investigations in account XXXX XXXX  # XXXX account, the credit bureau has failed to update my credit report accurately which is showing 90 day missed payment, which inaccurate and should show On time/paid as agreed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for inaccurately reporting a late payment on my credit report in violation of the Truth in Lending Act ( 15 U.S.C. 1666b ). Despite my attempts to resolve this matter directly with both parties, they have failed to provide sufficient evidence supporting the late payment claim.

Background Details 1. Creditor Name : XXXX XXXX Account XXXX : XXXX. 
3. Late Payment Date on Credit Report : XX/XX/2024. 
4. Nature of Dispute : o Under 15 U.S.C. 1666b, creditors must ensure that periodic billing statements are mailed or delivered at least 21 days before the payment due date. 
o XXXX and Experian have not provided concrete evidence showing that my periodic statement was sent to me in compliance with this requirement. 
o I did not receive the statement within the legally required time frame, and the late payment should not have been reported on my credit file. 

Steps Taken to Resolve the Issue I contacted XXXX to request documentation proving compliance with the XXXX rule, but they failed to provide adequate proof. 
I filed a dispute with Experian, asking them to verify the late payment with the creditor. However, they upheld the report without providing the necessary evidence. 

Impact of the Inaccuracy This erroneous late payment has negatively impacted my credit score, causing unnecessary stress and potential financial harm. It is critical that my credit report reflects accurate and verifiable information.
Product: Checking or savings account

I made an account with PNC, after having them recommended to me, in early XXXX and deposited a paycheck into my account. They locked me out of my account and refused access to my money, and when I called to ask why, they said they were closing my account, refused to give me a reason why, and told me that the check I deposited " could not be deposited '' and they did not have the funds from the check. I had received a statement from PNC stating that the funds had been deposited into my account, and after contacting the bank that issued the check as advised by PNC, I contacted my employer who paid the check, who sent me proof that the check was indeed deposited. So I had proof from PNC themselves and from my employer that the check was deposited. Over several months I escalated the issue to the Executive Client Services department. I received a letter saying my account was being closed and another statement from PNC stating that the money was still in my account in XXXX and that it was removed from my account by PNC. The money that they kept telling me they did not have. After detailing yet again all of this proof to the person with Executive Client Services ( the 3rd department I was referred to who continued to lie to me that they did not have my money ), they finally admitted they did indeed have my money but still would not tell me why they stole my money or why they closed my account but told me they were sending me a check. They gave me a window to expect the check during which I did not receive it. I contacted them yet again and they told me the check had not been sent and again told me they were sending the check. Yet again I did not receive it. They have never sent me a tracking number or any proof they are sending the money. I have contacted them over 15 times over the last 5 months and visited the branch to provide identification upon their request and the understanding that if I did so they would send me my money. The phone records are available and I will provide all the documentation I have to verify what I am saying to any agency that will look into these unethical and illegal actions by this fraudulent " business ''. They stole my money over five months ago and to this day have refused to either give me a reason why or to show any effort to return my money. I would advise anyone who does not like to be stolen from and defrauded to stay far away from PNC bank.
Product: Mortgage

I have auto payment set up with my credit union to pay my mortgage loan service company. I saw online at the credit union website that an attempt failed on the mortgage payment but it looked like enough funds were in place for the payment. I called the mortgage company and they reported the payment was cleared so I thought the check cleared. If they would have reported a returned check I would have paid on the phone on the XXXX of the month. Meanwhile payment is considered late on the XXXX of the month. Later I saw the check was returned but by this time I was past the grace period and had to pay a late fee and returned check fee.
Product: Debt collection

This debt collection for original creditor is showing XXXX 's as separate credit accounts, never had XXXX XXXX XXXX XXXX credit cards for this debtor, only ordered XXXX items on the same date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX  dropped one of my open accounts. 

Capital One and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.
Product: Credit card

I made a purchase on XX/XX/year>, for {$150.00} from XXXX XXXX XXXX for access to the XXXX checkout automation software. The software was advertised as a tool to automate online purchases, but it did not function as described despite following all setup instructions. 

I contacted the merchant multiple times requesting assistance or a refund, but they refused, citing their Terms of Service ( TOS ). However, the TOS was not available for review on their website after purchase, making it impossible to verify their refund policy beforehand. 

I disputed the charge with Citibank, but my claim was denied because the merchant provided access logs showing that I logged in. However, logging in does not prove that the software worked as advertisedonly that I attempted to use the service. Citibank did not fully consider that the product was defective and that the refund policy was unfairly enforced. 

This business appears to have a pattern of selling software that does not work as advertised while refusing refunds under misleading terms. I am seeking assistance in having this dispute fairly reconsidered, as I was denied a refund for a service that failed to perform as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
The following accounts are not mind account. No knowledge account. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 


XXXX XXXX # XXXX XXXX XXXX XXXX mine account. Please delete. 
XXXX XXXX XXXX Account # XXXX.. Not mine account. Please delete. 
XXXX XXXX XXXX # XXXX. Not mine account. Please delete.. XXXX XXXX XXXX # XXXX.. Not mine account. Please delete XXXX  XXXX XXXX XXXX {$380.00} XXXX.Not mine account. Please delete XXXX XXXX XXXX # XXXX.. XXXX Not mine account. Please delete. XXXX XXXX # XXXX Not mine account. Please delete. 
XXXX XXXX # XXXX Not mine account. Please delete. US DEPT OF EDUCATION # XXXX mine account. Please delete. US DEPT OF EDUCATION # XXXX Not mine account. Please delete. XXXX XXXX  # XXXX Not mine account. Please delete.
Product: Credit reporting or other personal consumer reports

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 I have inaccurate information on my credit report. This is a violation of my rights and i am distraught.
Product: Debt collection

RMP which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and RMP has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX CO XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX XXXXXXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX XXXXXXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.
Product: Debt collection

I am writing to formally dispute an account that appears on my credit report, which I believe is fraudulent and inaccurate. The details of the account in question are as follows XXXXXXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and discovered the presence of the aforementioned account, which I firmly believe is the result of identity theft or fraudulent activity. This account is causing significant damage to my credit score and jeopardizing my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student loan company called Navient is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Product: Credit reporting or other personal consumer reports

There are XXXX new accounts ( credit/loan ) opened on the last three months that are not mine. These accounts are : Proform Financing loan in the amount of {$5800.00} Aqua Finance , Inc. XXXX XXXX credit card {$2900.00} Aqua Finance , Inc. {$0.00} I dispute these accounts with XXXX and XXXX XXXX They responded that they verified my information with these companies consequently these accounts are remained in my report. 

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 reporting, credit repair services, or other personal consumer reports

The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX XXXX Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and XXXX are violating my rights under the following FCRA laws ; 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of this. ''