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

Two of my three consumer credit reports ( XXXX  and XXXX ) are each erroneously showing a single 30-day delinquency on my Mercedes-Benz Financial Services installment loan ( account no. XXXX ), while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/2017, while XXXX  shows a 30-day delinquency in XX/XX/2017. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of Mercedes-Benz Financial Services on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXXXXXX XXXX  XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXXXXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove
Product: Credit card or prepaid card

My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has the wrong information on my credit report. I was denied a refi car loan because of them. They had a debt collection on my credit report which is not my debt. I had to get credit monitoring to see my credit report when I was accessing the information on my phone. I got my report and cancelled the monitoring service the same day. They should have refunded me my money because according to the COVID fair credit reporting I am allowed one free credit report every month. I called to tell them I wanted my money back, that I had cancelled the monitoring service the same day I was trying to get my credit report. Their web page is deceptive and does not offer a free credit report unless you sign up for this monitoring service when you use a cell phone to try and gain access to your credit report. They also need to remove old outdated information that is older than 7 years. I do not have any bills for a XXXX debt they have reported so I am disputing the validity of the debt information they have published inaccurately. I have a XXXX with the other credit reporting agencies.
Product: Credit card or prepaid card

XXXX XXXX  refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? 

My balance increased the month of XXXX or XXXX?
Product: Money transfer, virtual currency, or money service

I have filed 4 complaints and it has been weeks no update or anything im assuming they arent going to help i have 2 accts with Cashapp old acct : $ emoneyshoots and new acct : $ XXXX and I am not getting any help email is XXXX old phone # is XXXX and new phone is XXXX i need to access my old acct and grab the money from my new acct please help
Product: Debt collection

rude, evasive, wo n't say who they are or why they are calling. 
calling me at work XXXX times a day
Product: Money transfer, virtual currency, or money service

I received a call from XXXX XXXX, bank of America agent, that I won {$2.00} XXXX XXXX XXXX XXXX, he said the check is with me and I will send you a picture of your actual check by Email. I received the two Emails in XX/XX/XXXX and XX/XX/2016. 
I will attach a copies of the emails. 
After that, one of the bank of America securities called me on my cell phone and he said : your account had many suspicious activity and if you don't close it, we are forced to close your account and sent you your deposit by mail. I withdraw the money and closed it. 
afterwhile, I received a call from XXXX XXXX that the check is real and you had to send around $ XXXX to receive your deposit check. I didn't send money to XXXX XXXX because I received too many calls from other people ( scammers ), everyone said your won check is with me. 
I called the FBI agents to verify if this check is legitimate. Check or not. no help. I saw on XXXX these days that bank of America cheating their customers on cash Rewards and others bank activities to make billions of dollars, I had a business credit card cash reward and never received, XXXX points and I could not redeem to cash. 
I need to know might be the XXXX XXXX XXXX check is XXXX and Bank of America tried to hide it on, Who knows!
Product: Debt collection

ON XX/XX/year> A XXXX WAS AUTO DEBITED FROM MY COINBASE FUTURES ACCOUHT AND RECLAIMED BY COINBASE. THIS DEBITVQAS FOR THE AMOUJT OF XXXX. ALL THE WHILE I PAIDXXXX SAME DEBIT WITH XXXX BUT NOW COINBASE WONT ISSUE A REFUND FOR XXXX EXTRA PAYmenT.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and unverifiable information on my credit report. There are fraudulent information on my credit report. I ask for a full dislcoser of this debt. I have not receive my sign signature, original contract or any information about this debt. 

XXXX XXXX XXXX # XXXX BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. Delete this account asap. You are reporting fraudulent information on my credit report. Delete this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payments XXXX BANK XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to
Product: Mortgage

Loancare llc is my mortgage holder, we had hurricane damage from XX/XX/20. After extensive repairs and completed inspections that have passed and shown our home is completed. They will not release funds. I have sent receipts of well over XXXX. They have XXXX of my money, they refuse to release even though there inspector certified my house is @ 100 %.
Product: Debt collection

Stopped insurance and went to another agency. XXXX tried to charge an extra month. Then would not say what month they charged me for.
Product: Checking or savings account

Received a letter thanking me for opening a Huntington Bank Asterisk-Free checking account online on XX/XX/2021 and stating : You may have opened other accounts at the same time, which are not listed here. 

I did not open an account or accounts, but was sent an ATM card for said account that I did not request. Emailed their fraud department, but no response. I dont know if this outside fraud or a situation similar to XXXX XXXX where unscrupulous employees are opening accounts to meet sales quotas. I had an auto loan with Huntington Bank several years ago that has been paid off for years and other than that no other business relationship. 

I live in Illinois and believe this bank operates primarily in Ohio. 

I want this account opening reversed with no damage to my credit report. I also want the bank to invest and notify me if any other accounts were opened. If they find this was the act of one of their own employees I want them punished and see if others former customers had accounts opened without their authorization. I would also like to see Huntington Bank put further safeguards in place to prevent this from happening to others.
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.

1-XXXXXXXX XXXX XXXX has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

My wife 's wallet was stolen out of her pocketbook while shopping at XXXX. There was a {$500.00} Vanilla gift card in the wallet. Only {$35.00} was used of the {$500.00} when it was stolen. A police report was filed, and Vanilla Gift card was notified on XX/XX/XXXX with the information. I do not have the card number, but I do have the serial number, original packaging and receipt from the store where the card was purchased. I have sent this information twice to Vanilla. The case number they gave me is XXXX. I have contacted numerous times about this case number, and they refuse to give me the card number and the balance left on the card. The last time I contacted them was on XX/XX/XXXX still with no information being provide. I would like to know how much is left and see if can be recovered.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX AND XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the charge-off on the account referenced above. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I respectfully request the immediate removal or correction of the inaccuracies related to this account. The following points outline my specific dispute : 1. Inaccurate Reporting : The charge-off listed on this account is inaccurate and must be corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, accounts that have been charged off must reflect the correct reporting of account status, including whether the debt was paid or settled. If the charge-off was reported in error or the information is not substantiated, it is required by law that it be corrected. Please provide proof of the charge-off date and details of any payments or settlements made, as I believe this information is incorrect. If I have made any payments or settlements, I request that the reporting be updated to reflect this. If not, I request that this item be removed from my report as per the regulations governing charge-offs. 2 1099-C Request Ignored : I have submitted a request for a 1099-C ( Cancellation of Debt ) form, as required by the Internal Revenue Code ( IRC ) 6050P. This form is necessary for reporting canceled debt that exceeds { {$600.00} }, which could affect my tax obligations. Despite my request, I have not received the 1099-C form or an appropriate response. Under IRS guidelines, failure to issue the 1099-C form within a reasonable timeframe is a violation. I am requesting immediate action to provide me with the required 1099-C form and the appropriate documentation showing that the debt was canceled. 3. Request for Removal from Credit Report : Given the inaccuracies and failure to issue the necessary documentation, I am requesting that this account be removed from my credit report. Under the FCRA, inaccurate or unverifiable information must be deleted, and failure to respond to my dispute request within the legally mandated timeframe ( 30 days ) requires the immediate removal of this item from my credit file. I kindly request that you thoroughly investigate these inaccuracies and remove any incorrect or unverifiable information related to this account from my credit report. If I do not receive a timely response, I will pursue further action under the FCRA and other applicable consumer protection laws. Please respond in writing to my address listed above within the 30-day period mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX and acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not only breaking laws but destroying my credit. I have filed multiple complaints about the fraudulent account XXXX. This company has opened and closed this account TWICE please see attached proof. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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.

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: Credit reporting, credit repair services, or other personal consumer reports

***New Information I have recently new paperwork from lexis nexis and have sent my coraspondace to attorney general I would for CFPB to do its job
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting

I have made XXXX attempts with Equifax to have the incorrect information reporting on my credit report to be removed! Equifax, continues to tell me that the information has been validated. I have filed a police report with my local police station stating that I am a victim of identity theft and they are currently investigating the issue as we speak. I would like to have the incorrect items in question to be removed. Please see the attached police report that I have submitted to Equifax 3 times already. Please help me resolve this issue.
Product: Debt collection

First of all, I have never had any service with the XXXX XXXX XXXX XXXX company. From what I understand this is a fraud from ENHANCED RECOVERY COMPANY trying to rip me off. These debt collection companies always use XXXX since it does not appear on any other credit report. It seems that any credit fraud is allowed by XXXX. I request that it be removed as it is a fraud and I have never had a relationship with this account.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase on the store " XXXX '' for {$480.00} The merchant never sent the items bought and after a few weeks they close the shop and also the phone number and email contacts. The closed all the business leaving me without the goods.I subtmit a claim to my bank but they never requested me more information about the case also never informed me the status. 
Now 2 days ago I can see that the credit was reversed and the calim was denied without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital ONE : Late Payment : XX/XX/2021 I didn't have a late payment during this time. I request that the credit bureau to investigate this late payment. The credit bureau has not contacted me after 30 days. This incorrect information is negativity effecting my credit score and should be removed immediately as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XX/XX/18 as well as XXXX  and Transunion and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
Product: Money transfer, virtual currency, or money service

I requested a transfer of {$850.00} USD to XXXX XXXX on XX/XX/XXXX through Paypal. The recipient is located outside the USA. Paypal, refused to complete the transaction and release the funds to the recipient. Instead, Paypal is holding the funds until XX/XX/XXXX ( 6 Months ) before they will release the funds. I have requested multiple times through their customer service as well as having called into the US Customer Service Center, and was told nothing more can be done and I have to wait for 6 months. This is an illegal possession of my funds by Paypal. I requested Paypal to immediately transfer the funds, Paypal refused to complete the transfer to the recipient, and they refused to transfer my funds back to my account until 6 months had passed. See attached screen shots.
Product: Checking or savings account

On or around XX/XX/2022 Citibank blocked a standard ACH funding deposit and then claimed it was fraudulent. The bank holding the funds is a standard XXXX bank that I dealt with for years and is reputable. 

The Citibank Fraud department hung up on me repeatedly, then 1 individual there refused to tell me the nature of the problem, only that " it was under investigation and no other information was available. '' She promised a Supervisor would call me and I never heard from them. 

Now, after 50 years of perfect credit I can't open a bank account since this " fraud " report. I can't find the reason or source of the problem despite many calls and current reports from banking reporting companies eg XXXX systems etc., all showing a clean record. 

FYI, Citibank has hundreds of complaints of this nature on its XXXX page and on XXXX sites. 
This bank is engaging in fraudulent and slanderous behavior that is causing many problems for no known reason.
Product: Debt collection

The company states they are collecting on an overdue medical bill in the amount of {$30.00}. I received phone calls on XX/XX/XXXX and XX/XX/year>. A XXXX XXXX message was left on XX/XX/XXXX offering no details of who was calling or what they wanted, therefore I did not reply. I was able to answer their phone call on XX/XX/XXXX. I requested that all details about the alleged debt collection be mailed to my home. The agent stated that they already mailed documents to me. I stated that I had not received anything in the mail, and that I do not make payments for anything over the phone. Upon hearing that I do not make payments over the phone, the agent became hostile. Eventually the agent stated that they could email me. Again I requested documents be mailed physically rather than emailed. The agent responded in a hostile manner again and then said we were done and goodbye. I disconnected from the call without confirmation that the debt collection documents would be sent to me via traditional mail.
Product: Money transfer, virtual currency, or money service

I have deposited XXXX euros into my coinbase account on XX/XX/XXXX through wire transfer and it is still nowhere to be seen. My bank has verified that the amount has already been sent. Coinbase had a guarantee that I will receive my funds within 3-5 business days, which is obviously not being fulfilled right now.I have tried contacting them through email inquiries on XX/XX/XXXXand XX/XX/XXXX, of which I was promised a reply within 24 hours, which was again not fulfilled. I finally did head back from Coinbase on XX/XX/XXXX, but the reply only included generic troubleshooting to ensure my wire transfer does not have incorrect detail, and also notice that my case was escalated to a "specialist". I have replied to this email, providing further details and proof of transfer, but have yet to hear back from Coinbase despite multiple follow-ups.