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

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. This complaint is to inform you I am being taken advantage of by the credit reporting agencies. They are not verifying this information that they are furnishing on my report. And this is a violation. This information is 100 inaccurate and I need it removed immediately. It has caused my grave financial woes.
Product: Credit card or prepaid card

In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. 

Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.
Product: Money transfer, virtual currency, or money service

I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting erroneously on my credit file. I recently checked my credit and noticed that Express Recovery was reporting collections that had already been paid and satisfied. I was told when I settled these that the accounts would be removed from my credit and I took their word. However, every time I look into my credit, the collections are still reporting. Not only that, this is all medical debt! I never signed a HIPPA release form to allow Express Recovery to report on these accounts. This is a huge HIPPA violation and it must be removed immediately.
Product: Checking or savings account

Hi Sir/ Madam, I am a victim of Romance Scam.. When I doubt already that I am being scam I stop sending money to the guy and later on he admitted that the picture is not his pictures.. so I called the FBI and FBI agent told me to file a complaint to IC3. gov and the FBI lady told me to call your bank and they will return your money back The real name of scammer is XXXX XXXX claiming to be XXXX XXXX a police officer in PA, USA We plan to get married and buy a house a modular home.. so he said he will put money there and I put money also in the modular home so I sent money through XXXX claiming to be his uncle XXXX XXXX XXXX and Aunt XXXX XXXX actually the one for XXXX XXXX he did that transaction which is the amount of {$1900.00} through XXXX coz I trust him already coz we are about to get married the date of that transaction is XX/XX/XXXX, XXXX I filed a dispute with Citibank but they never help me to return my money back.. The other transactions are XX/XX/2020 XXXX transaction to XXXX XXXX XXXX amount {$1500.00} also XX/XX/2020 XXXX XXXX XXXX amount {$2500.00} then XX/XX/2020 XXXX XXXX XXXX also {$2500.00} and lastly XX/XX/2020 amount {$2500.00} Total of {$10000.00} for 5 XXXX transactions, Claim # is XXXX Actually they gave me a temporary credit for this 5 transactions but they reversed the transactions because when XXXX the investigator called me I am not available so I tried to call back several times I cant get hold of XXXX but somebody called me in XXXX dispute department when I answered it he doesnt want to talk I said I know it is from Citibank XXXX dispute because I add that phone to my contact list.. I keep saying Hello are you there? but he hang up the phone after he called me.. it might be XXXX from XXXX dispute an investigator but I not sure but I am pretty sure from XXXX dispute department because it showed on recents calls that from XXXX dispute department and I called Citibank again and refilled again but unfortunately they dont want to help me return my money back.. The date that I refilled the XXXX disputes was XX/XX/XXXX, XXXX but I have no luck to return my money back with the help of Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 16. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Vehicle loan or lease

This complaint is for loans under my business provided in the attached letter. The company and I were in communication during covid-19. My business operates in the restaurant industry and we were completely shut down for several months in XXXX. I communicated with Mercedes Benz Financial Services ( XXXX ) on the monthly basis to determine my ability to pay. They said I was protected by th e covid-19 guidance and I could skip up to 3 payments. Every time said I was within the covid-19 guidance and this would not negatively impact my credit. When I applied to a loan with XXXX XXXX on XX/XX/XXXX, I sa w that they had reported me late for the three payments they arranged. I followed their company dispute process and received a letter I was denied. I have never been able to talk to a person or be told why. I have tried contacting them by phone and their message portal on their website. I have never been responded to further.
My dispute letter to Mercedes was prepared on XX/XX/XXXX. It included the two loans I have with them, they refer to them as contract numbers. The first loan is showing late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second loan showing late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also it shows a past due amount of {$950.00}. I did speak to a customer service rep and they said they could not see where I am past due any where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.
Product: Debt collection

XXXX trying to collect a debt that the day I originally occurred the debt is past the 6 year statue of limitations and it is still negativily impacting my credit. I believe it's manupilative business practices which they should be held accountable. The account is duplicated on my credit I believe driving my collections up to negatively impact my score.
Product: Credit card

I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 all accounts were paid in full. The statement was provided over XXXX times to experian and they have not did their due diligence only accepting message from the credit company and never provided what evidence they were given to substain that the payment was not received or paid in full. They refuse to remove the negative accounts and to date they have blocked me from filing any more disputes from their site. 

Paid XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX   XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.
Product: Money transfer, virtual currency, or money service

I signed up for the Gemini Trust Company LLC platform on XX/XX/21. I transferred {$500.00} USD from my bank account to the platform the same day that I signed up. I was able to transfer my money onto the platform, but I haven't been able to withdraw it because I can't verify my identity. I have been attempting to verify my identity on the platform since the day I signed up with no luck. I've contacted their customer support numerous times and have gotten no response. I can't deposit my money back into my bank account until my identity is verified, so my money is now stuck on Gemini 's platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XX/XX/XXXX andXX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.
Product: Debt collection

I receive phone calls from Capio Partners and when I ask have I done business with them directly, they will not respond. They repeatedly ask me for my date of birth, I have no idea who this company is I have asked them to mail me correspondence from their company and they still haven't done so. I have told them I am I have had my personal information exposed on the dark web and I will not provide information to a company that I have never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in regards to inaccurate information being reported in my credit file...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from Mariner Finance , LLC in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last 4 of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
Product: Checking or savings account

On XXXX I mailed a check to a business entity 's Accounts Receivable lockbox. ( This check was mailed from the Post Office in XXXX, GA. ) The check was altered to an unknown individual and deposited via Mobile Remote Deposit on XXXX into an known account. It is very apparent from my First Citizens Bank 's online portal that the " Pay to the Order of '' and " Address '' have been altered. 
On XXXX I contacted my local bank 's branch and I was instructed to call their XXXX phone number. Upon calling the XXXX number I was given a dispute # and told that someone from the " Back Office '' would get back with me in 2 to 3 business days. As of XXXX I have called 2 other times ; I have not been able to speak to anyone in the " Back Office '' or the " Fraud Specialist '' handling my case. My issue has not been resolved in a timely manor, and my account has not been credited for the {$9400.00}.
Product: Debt collection

Westlake Financial is reporting Account # XXXX for {$14000.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Westlake to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Westlake and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. Westlake has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX, XXXX and XXXX XXXX.