23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

There is a fraudulent account opened under my name and I wasnt aware of this. My ex spouse has my information and someone opened up a loan without my authorization. I am not responsible towards this because I never signed anything. I have letters that say to send my id to identify myself but im afraid to send anything else. Please call back number for me ( XXXX ) XXXX or email me at XXXX, I am still willing to send my Id but to a responding email or call or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my prior dispute : XXXX TransUnion states the following : In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. DESCRIPTION OF NON-MONETARY RELIEF We reviewed your complaint and apologize for any difficulty you may have experienced. We have updated the personal information as requested. ********* It is the last sentence where they have mislead both the CFPB and me, as a consumer. I pulled up my credit report on XXXX XXXX, 2017.  They HAVE NOT updated the " personal information as requested '' ; which was, namely, to delete the wrong address on my account : XXXX XXXX XXXX, XXXX, etc. I believe that they are in bad faith because for them to delete it requires nothing more than deleting it. Again, they have mislead you and me alike. They have not updated the personal information as requested. Please, CFPB, pull up a copy of my credit report and you will see for yourself ( if they do n't finally do what they told you -- a government agency -- - and me what they were going to do ).
Product: Credit reporting or other personal consumer reports

I dont know anything about this company call Rent Debt automated collections. Im not aware of any kind of dealings with this company whatsoever and this company is asking for personal information that I have no idea how they got in the first place I never did any kind of dealing with rent debt automated collections an ID theft report was done and I actually sent it to the credit bureaus. I dont understand why this company that I clearly never had any kind of dealings with Rent automated debt collection asking for personal information that I sent to the three credit bureaus showing proof identity I sent my identity theft report to the three credit bureaus as by law stated. Please review the law of New York the picture that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

chime has locked my account and wont tell me why and has also stole my money
Product: Credit reporting 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 ..., XXXX XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Truist allowed scammers to cash advance {$500.00} on a credit card I rarely use. This transaction occurred in another state, and Truist neither declined nor flagged the transaction.
Product: Mortgage

The borrowers are in foreclosure and are encumbered with the high costs of force placed homeowner 's insurance. In XXXX, the fire policy amount was {$43000.00}, this added {$3600.00} monthly to the mortgage. Interestingly enough, the borrowers had their own insurance at the same time. The only documents they have from this era are attached along with the forced placed insurance. The total cost of escrow in the Final Judgment of Foreclosure totals nearly {$200000.00}. This is hazard insurance XXXX {$81000.00}, in XXXX, {$49000.00} and at its lowest in XXXX at {$43000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX You are reporting this collection with a past due amount of {$830.00}. 
This is inaccurate reporting and needs to be removed immediately. 

You are also reporting this collection account as active when it was voluntarily closed by me in XX/XX/2020. Once a consumer has voluntarily closed an account, it MUST be reported as such by credit furnishers and credit reporting agencies.

Please send me a copy of my credit report when the above deletion has been removed.
Product: Checking or savings account

I deposited a check today. I was NOT informed that a 7 day hold would be placed on the account. If I was informed of this, I would not have continued with the transaction and would have gone through a different bank. I needed the money quickly and had no reason to think that upon clearing, MY money would be available to me. I was informed that a hold was placed on the money at their discretion. Even upon my check clearing, my money would not be available until 7 business days after depositing. I never was informed of this prior to depositing, and once the money has cleared, there is no reason for them to keep my money with this hold. Also, the check was from a well-known, profitable establishment with a good reputation. There was no reason to think the funds would not be available. Huntington could not provide me with a reason they thought the funds might be available, just that things are at their discretion. I do believe that holding money without consumer knowledge is theft.
Product: Credit card

I have been making payments on a computer laptop I purchased from Conns XXXX for the past two years as agreed. The initial amount of the purchase was {$1500.00}. In XX/XX/2024 the statement balance was {$670.00} to pay off. Since then, I kept making payments and have never been late. Then, on the XXXX statement dated XX/XX/2024, I received a new balance of {$1400.00}, and I had been paying and had never stopped making payments for the past two years. How come I still owe the same amount I purchased the Laptop? I believe that without the Dubious interest charged, I should have called up on this payment. I have attached two statements showing how much I owed on XXXX XX/XX/2024 vs XX/XX/2024 statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The loan was issued to someone else fraudulently with my information. I tried on numerous occasion to get them to investigate the issue and send me the report to file a police report but they claimed that they did however, it was never received. The loan was taken out during my XXXX overseas
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN COMPLAINT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Since I have been ongoing issues with Closed Credit Card Accounts I decided to access CFPB once more. Accessing My XXXX XXXX XXXX on CFPB, and requesting why my Experian Credit Report " Why this account is scheduled to continue on record till XX/XX/XXXX. " 10 Years '' Experian Reports : XXXX  XXXX, XXXX, and XXXX Bankruptcies and Unpaid Tax Liens which remain for " Up '' to10 Years! XXXX XX/XX/XXXX Paid or Closed Accts generally display for " Up '' to10 years from the date paid or closed
Product: Debt collection

PLEASE DELETE THIS ACCOUNT I HAVE NO LIABILITY AND THIS WAS UNAUTHORIZED
Product: Credit reporting or other personal consumer reports

I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly. 

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXXl was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a XXXX dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score.

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, XXXX
Product: Checking or savings account

On XXXX XXXX, 2024, there was an unknown check put in my Chase checking account to withdraw {$100.00} from my account. However, this check was not authorized by me, and it was directed to someone I never knew about. I have contacted Chase service by phone on XX/XX/XXXX and they promised getting back to me in 5 business days, but I have heard nothing until today. The wrong transaction has been attached.
Product: Credit card or prepaid card

hotel authorization for {$100.00} on XX/XX/2022 from the XXXX XXXX. I called hotel, they said for me to call the credit card company and they will credit me as they are unable to do it without a dispute. 

I called capital one and they credit me. They said they will send a letter in the mail. Later on they charged it back because of a letter I didnt sign and send back. I called them and they have the wrong email address for me so I didnt get it. They were supposed to mail it and not email it. Call got disconnected. I called back and explained everything and got disconnected again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XX/XX/2022 I mailed a XXXX letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Product: Mortgage

I'm a prospective home owner that engaged American Financial Network ( " AFN '' ) for a mortgage. The first few weeks were smooth sailing until we approached closing - AFN charged me over {$6000.00} for an interest rate fee lock and this was not previously disclosed. I had a conversation with my loan officer and I asked what closing fees would be associated with the mortgage and they said a fixed flat rate ( which was under {$2000.00} ), and now that I'm XXXX  with the deal with a large due diligence amount, they decide to add a $ 6,000+ charge for an interest rate. I'm not a legal expert when it comes down to mortgages, but this just does not seem right. Further, my loan was supposed to close on XX/XX/2020. It is now XX/XX/XXXX and the loan still has not closed. Every few days I receive an update that the " loan will close tomorrow '' but it has not closed. I have been living with a friend since XX/XX/XXXX since I was relying on AFN to close the mortgage on time. Loan officer goes MIA for 7-12 hours at a time without responding. I've tried contacting their production manager and they do not respond either. Very unprofessional company as a whole.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> paid {$35.00} minimum XX/XX/year> paid {$35.00} minimum for XX/XX/year> on accident but they wont allocate which Im not concerned about. However They reported my XX/XX/XXXX payment as 30 days late and I Paid XX/XX/year> {$700.00} before 30 days so how is it 30 days late. They told me if my bill is due XX/XX/XXXX and statement closes XX/XX/XXXX then if I paid XX/XX/XXXX they WILL report it 30 days late but that is in fact only 4 days past due Paid XXXX was all set till XX/XX/XXXX and I paid 14 days late so Im lost at how they report saying based off the statement date and not the due date but even then Im not 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to not comply with the FCRA regulation specifically the FCRA section 605b and continued reporting the disputed fraudulent information on my Credit File without proper verificvation! I am now submitting this complaint to request another investigation and this time, I need the items removd from my Credit File completely! By continuing reporting the disputed items without proper verification the Credit Bureaus have violated my rights, a consumer 's rioghts under the FCRA. It makes me wonder if is it only me who is experiencing this kind of mistreatment or there are a lot of us? It would be disastrous if a lot of consumer is experiencing the same problem as mine. Under the Federal Law, FCRA Section 605b, the Credit Bureaus must remove any account or information that resulted due to identity theft. The followin items were incurred due to fraudulent activity and must be removed as quick as possible : XXXX XXXX XXXX XXXX XXXX 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 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 XXXXK XXXX XXXX {$3700.00} XXXX XXXXXXXX Balance {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about a loan last year with XXXX XXXX. I did NOT know they would send it out to other companies. I did NOT ask about a loan with the following : Equifax Mtg., Equifax Mort, XXXX, XXXX, XXXX, XXXX, XXXX ( listed twice ). I've never heard of some of these before. 

The ONLY ONE I recognize is the XXXX. 

I want these taken off my credit report immediately. I think it should be against the law for one company to send my information to other companies that I WAS NOT applying for. Please correct thisASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is keep reporting inaccurate accounts on my credit report. I'd try calling the them, but the agents keep being rude and unprofessional. These are some dates and amounts. 
Capitol One Auto XX/XX/2021 {$15000.00} Capital one Bank XX/XX/2021 {$300.00}
Product: Credit card or prepaid card

I was approved online for a Capital One Quicksilver credit card on XX/XX/2022. The bonus offer was {$200.00} if I carried out the purchase requirements, which I did. Speaking to a manager on XX/XX/XXXX I was informed that I was initially denied that offer and that I accepted an alternate offer.I was misled to believe that I would be receiving the bonus from the details presented to me during the application process.
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to

15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

excessive bank fees, ,over charging on my checking account i had a late pay from work they charges me XXXX in overdraft fees i ask them for help and they said that was their policy
Product: Money transfer, virtual currency, or money service

Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.
Product: Debt collection

Dispute Alleged medical debt with KLS financial prior. They sent me a fast med form which break my hippa rights. I had insurance so they should have been covered anyway. This alleged debt was from XXXX. They had a collection on my XXXX since XX/XX/XXXX. They update it every mth as unpaid but it was an old collection and it states disputed. Since it was and old collection I left it however as of XX/XX/XXXX KLS have re aged the collection to say the date assigned was XX/XX/XXXX. This makes it appear as new collection thus hurting my credit and unfair. I have disputed it with XXXX but KLS are using unfair practices.