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

XXXX XXXX XXXX opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Product: Debt collection

I don't know we're this debt. Came from was never contacted or notified or asked for this collection and I have medical insurance
Product: Debt collection

The information is incorrect. The original creditor received payment and requested termination of the lease. This account continues to show up on my credit as an active collection and needs to be removed. I have filed 4 different disputes none in which a signed agreement was provided. I need this removed from my credit immediately to secure safe housing. The apartment complex failed to repair and requested my move out prior to accepting funding from the XXXX rent relief. Funds have been sent in full prior to the open date of collection.
Product: Credit reporting or other personal consumer reports

Recieved notification of a new account. Disputed account. TU investigated and determined account was correct. Asked for account number of fraudulent account and they said they do not have that information. Contacted the lender and they cant find an delinquent account with the information i can provide. Also stated that can't search with my social security number wich is the only thing that links me to the fraudulent account FTC Identity report number. XXXX XXXX Police report number XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach and my identity was used. a Personal loan account was created by XXXX XXXX. This account was opened XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX, I bought a pair of shoes form the website of XXXX at the price of XXXX through Discover it credit card, and I returned the shoes on XX/XX/XXXX, and then I made a payment of XXXX bucks on XX/XX/XXXX through XXXX XXXX, the bank statement says that the payment is finished on XXXX, but I didn't receive the payment in Discover account, my available credit is still minous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$43000.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is not my account and I have never had an account with them.
Product: Debt collection

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian on XX/XX/2022 stating a new criminal court record was found under my name on XX/XX/2022 but this record does not belong to me. The Experian website instructs consumers like me to call the Court where the record was sent from to have it removed. I called the Court Clerk, Administration, and Criminal Department to see if anyone could remove it. On their side of the system, my information isn't tied to the criminal they have in custody. So I called Experian and was transferred between the Dispute Department and Member Services XXXX times with no help. On the Experian website, it says information is provided from XXXX and there's a hyperlink attached. When I click on the hyperlink, the landing page states " If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Experian to correct the error ''. Experian is refusing to provide a meaningful resolution to my issue even though this " match '' was made in Experian 's system.
Product: Money transfer, virtual currency, or money service

Created an account ( XXXX ) and deposited {$100.00}, bought 18+ bancor coin and have approximately {$9.00} dollars in usd. Want to close account and they require zero balance, but i can't sell anything because they want a wire transfer from my bank ( deposit more money ) which costs {$25.00} both ways which is crazy and unfair since they let me in without a wire transfer. They call it verification ... .should n't that have been done first?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/20 ) l 'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I had lost my phone sometime in the last XXXX weeks of XXXX and when I had gotten it back, I had realized someone had gotten into it and it and taken money out of my account and transferred it to XXXX and to a random bank account. My bank gave me my money back and then told me 3 months later that my claim was not approved and they are going to take it back out of my account the XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit. 

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.
Product: Checking or savings account

I feel that Bank of America committed an act of retaliation in the most obscene and disgusting way possible. On   XX/XX/XXXX ,  I placed a claim of fraud agains t one o f their customers in which I sent a transfer to. By mid   XX/XX/XXXX , th ey were stating that they stopped trying to get the money back. Honestly, I feel like they never tried, so I was out of my money of {$1400.00}. I tried to escalate this to the CEO of the company and apparently this was a huge no-no in their little world. Let me add, that not once have I overdrafted my account. So, here is the deal, today,   XX/XX/XXXX  2017,  m y deposit of almost {$900.00} hit my account for the week. Fortunately, I got gas at the beginning of the day and a few sodas, but by mid-day, on a Friday mind you, they instantly decided to shut down the account. No telephone calls, no emails, no letters in writing, nothing formal and I am left in the dark without a clear idea of what happened. I, then, called the customer service unit and got transferred. When I asked for a clear reason why my account was closed, there was no clear reason of why it happened. I was left completely in the dark. I got served with " Bank of America has the right to close your account at anytime ''. Well, that is nice, but why must the representatives of the bank be so smug and arrogant about it. This is hardly professional. It is almost like I worked for a week and Bank of America took it upon themselves to say " Well, we got this scammed out of {$1400.00}, what is anothe r $  XXXX +?  '' " He can handle it and we do not care if his refrigerator is empty, we do not care if his car payment is coming up due, we do not care if his day to day expenses need to be covered. We just care about  XXXX  this guy over because {$1400.00} was not enough. '' This is deplorable, unethical, and yes, I understand, perfect legal, but how am I to live over the next several days? All my money is wrapped up with the bank and they state how they will let me take my money from branch office. Yeah, they are giving me permission to come to the bank in  1 to 3  business days to get my own money. Guess what, Bank of America, THAT IS MY MONEY AND YOU ARE COMMITTING ACTS OF FRAUD AND MONEY LAUNDERING. You are holding my money, loaning on it, gaining a nominal interest rate on it, and doing of ton of interesting things that only banks like you know to do with it and what do I have? Nothing, nada, zilch, and a complete and utter upheaval of life. You have no class and that is unacceptable. Just because it was legal to close my account, you could have given me a date of when the account closure was going to happen to insure that I stopped checks, ACHs, and other items from being withdrawn from the account.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXXXXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error.Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.
Product: Credit reporting or other personal consumer reports

I went on to the Experian website to freeze my credit. After doing this, I was offered a free credit report. I accepted and received the credit report promptly. However, a few days later I noticed a charge of {$26.00} from Experian. When u contacted them, they said I was enrolled in a membership on a trial basis. I never requested this trial nor did I authorize a charge to my credit card. After fighting through various sales pitches from the customer service rep from Experian, I was able to get them to reverse the charge and remove me from any memberships. Apparently, it seems that by accepting an offer to pull my free credit report from Experian, they automatically enrolled me in a service I didn't request or want and charged without consenting or requesting. I received no email or notice from them that this was happening. This type of practice seems very deceptive and fraudulent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my consumer rights as stated in 15 u.s.c. 1681 sections a, b, and c. Creditors have no right to false report information to the credit bureaus. Below are accounts that holds false statements. 

XXXX bank account XXXX stated that my balance is {$370.00} and still reporting account is late payment.This is false information the account is closed and I should not be paying any monthly amount to an account that is closed.also the account is a secured account that is my money that I funded the account with.Discovery never gave me an unsecured line. 

XXXXXXXX XXXX XXXXXXXX account XXXX stated I had a balance charge off for $ XXXX never open an account with XXXXXXXX XXXX XXXXXXXX XXXX 

XXXX XXXX bank account XXXX stated my account is still open and this is false.My account with self is now closed.XXXX XXXX should report closed.not open. 

XXXX XXXX XXXX account XXXX stated I had a auto loan balance {$3000.00} when I paid them in full.
Product: Credit card or prepaid card

A few months ago, Citibank changed their web site. I have a Citi checking account and 2 Citi credit cards. Previously when you view your Card details and click on the Make a Payment button, it displayed the Citi checking account and the user could easily make a payment. You could still set up additional payment accounts. Currently it directs you to a payment setup page that allows selecting a bank ( Citi itself isn't listed on the default page ) or manually entering account details. It no longer provides your existing Citi accounts. You could search and find Citibank among the supported banks. However, the web site is malfunctioning. 

On XX/XX/2020 I attempted to make a payment from my Citi checking account to one of my credit cards. After entering my Citi credentials, it not only wasn't pulling up the Citi account but was also logging me off from the Citi web site completely. I tried a few times, with different browsers and had the same result. Finally I entered my routing and account numbers manually and processed a payment. I was not notified of any problem at that time or during the following week. On XX/XX/2020 I checked my account and noticed a Returned Check fee of {$29.00} and after reviewing my transactions I realized the payment did not go through. I had the same issues processing a payment but was able to use the Transfer option ( which is not at all intuitive or prominent ) to successfully pay my card. 

In addition to the {$29.00} late fee, Citi also charged me interest of {$6.00} and then {$8.00} next month, both of which as a result of the failed payment. I called Citi and they refused to refund either the late fee or the interest charges. 

This leaves me with the impression that Citi intentionally made their web site more difficult to use in order to generate additional revenue from fees.
Product: Credit card or prepaid card

I found a ATM dispute on XX/XX/XXXX of 2020 it is now XX/XX/2020 I have not been issued a provisionary credit nor have I been accommodated under the Americans with Disabilities Act the customer service is terrible as long holds low resolution of problems I was charged a {$10.00} payment fee that was not disclosed to me I am requesting that {$10.00} be returned I also requested to have a payoff figure sent to my mail to pay off the account due to discrimination
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information was exposed on a national data breach ; after reviewing my credit report I notice some accounts that I'm not familiar with I have asked the XXXX for validation of debt, However the information has not been provided, due to my information being exposed I have submitted an XXXX  complaint reporting the information I'm not familiar with. 

Please find the attached copy of my XXXX complaint report, A copy of the XXXX Data Breach Report, showing my information being exposed in a national data breach and validation debt letter.
Product: Debt collection

On XX/XX/XXXX, I received an alert on my XXXX credit report. I immediately logged in at which time I had a perfect XXXX credit score. My score had declined by XXXX points for a collection reported by Radius Global Solution. I contacted XXXX  as soon as they opened to state this was not my account that they reported was opened in XX/XX/XXXX and they were collecting for XXXX. I demanded they remove it but they kept trying to tell me I must have forgotten about it. Having excellent credit, I am not that irresponsible to forget a {$790.00} service. After not getting anywhere I then contacted XXXX that could not verify the account belonging to me. Ive been a customer of XXXX for over 25 years straight and would not open a new account. After being transferred many times a Representative finally found an account with that was for a security system. I lived in an apartment development so there is no way I would have purchased this service since I didnt own the property. I was also told that the service request was opened and terminated the next day however the equipment was still mailed out. They verified that no service for this security system was ever active at the address. I am guessing someone stole the equipment if it was in fact mailed out. I was transferred to the Executive Office Of The President as my call needed to be escalated. I was told someone would reach out to me in 24-48 hours which they did and then told it was being escalated to a Manager to escalate. I didnt get another call. Today XX/XX/XXXX, I received another alert from XXXX that my dispute was completed so I logged on to find that it said it had been verified but now the amount changed from {$790.00} to {$350.00}. I again called immediately to XXXX Executive Office of The President who told me they had notified the collector to remove it as they show it as a zero balance. I told them that they reported it but with a lower balance due and did not remove it. The person told me she was sending an urgent message back to the Manager as what the collection company did is not what they were instructed to do. After the call I again reached out to the Collection company and asked why they didnt remove it. I was told by the Manager that they had just received the request today XX/XX/XXXX. I said okay but you were instructed remove it not try to still collect on it. He tried to over talk me insisting that they were updating it. I feel they thought I would not thoroughly investigate this and know that XXXX instructed them to remove it entirely. They were still trying to collect some form of payment fraudulently. I demanded that they remove it or I would be contacting CFPB and an Attorney. This company is using tactics to scam people out of money. If you dont understand credit and how to dispute it with resolve this company is going to burn a lot if people. I am sure they have done this to other people and they need to be stopped.