23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Fifth Third Bank claims they did not receive my XXXX payment on time and charged me a late payment fee with interest. I complained to them and they just added all those charged to my XXXX statement and added the XXXX dues to my XXXX statement which was received by me yesterday with a due payable date of XXXX XXXX. I called this morning and they shut me off when I asked to speak to a manager.

I called Fifth Third last week, talked to a manager who assured me he would fix the balance of my account and send me a correct amount to pay. He did not.
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation of an account that I previously disputed, which still appears on my credit report therefore making my credit report inaccurate. This account does not belong to me and contains multiple inaccuracies. Account Details : Creditor Name : XXXX XXXX XXXX Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), the Fair Credit Reporting Act mandates that all information on my credit report must be 100 % accurate across all three credit bureaus. Since this account can not be verified as accurate, I am requesting that it be removed from my report immediately. Previously, I requested that TransUnion supply proof of the original contract, the chain of custody, and any other relevant documentation that verifies me as the owner of this account. To date, TransUnion has not supplied any of this information, further indicating that this account is not properly verified and should be deleted. I am providing this letter as a formal request for re-investigation and reiterate my request that, if the account information can not be confirmed as accurate, it should be promptly deleted. I have enclosed copies of my identification and additional documentation as needed. I also formally request that my dispute be resolved within 30 days, as required by law. Should the inaccuracies not be removed within this timeframe, I am prepared to pursue litigation to collect statutory damages of {$1000.00} for each inaccuracy on my credit report. Thank you for your attention to this matter. I look forward to receiving written confirmation of the actions taken to resolve this dispute.
Product: Debt collection

I had a debt that was not mine, tried to pay it just to get rid of it. I reached out here before. The company said they would send to the fraud department and reach out in 90 days. They never once got in contact with me, not by phone or mail.
Product: Consumer Loan

I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking the updates on my Transunion credit file, I came across an unverified account placed on my credit file by XXXX XXXX XXXX. From to an apartment lease with XXXX XXXX in XXXX, TX that i did not sign. that I did not sign the was previously deleted XX/XX/2021. acc # XXXX. 
This credit reporting agency is in violation of the FCRA rule that states, " if a dispute is upheld and subsequently overturned, the credit rerooting agency must notify the consumer. 
I have repeatedly asked this credit reporting agency to conduct a reasonable investigation concerning this matter. 
I finally conducted an investigation of my own a called the leasing office XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX XXXX XXXX and spoke with a gentleman by the name of XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX was unable to find any leas agreement with my name or social security number on it. 
A simple five minute phone call to the leasing office will be able to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded the agencies be remove these accounts from my credit report. That I did give permission to be there.
Product: Credit card or prepaid card

XX/XX/2022 : I go to use my account on Netspend Skylight ( prepaid card provided by previous employer ) only to realize my account is locked. 
I call customer service and am told the account is frozen due to a refund that was applied that didn't have proof of purchase on the account itself. 
I submit my proof of purchase on the XXXX and an Employee of Netspend Skylight then promptly lifts the lock on my account. Issue solved right? Wrong. 
Upon going to use my Debit card attached to said account, the card is denied, and the account is then relocked, even though I had just provided all necessary information in order to have it unlocked. But now it's XXXX minutes pass their closing time for their call center, guess I have to wait till tomorrow. 
XX/XX/2022 : I call Customer Service and am told I need to resubmit my Proof of Purchase documents for said refund in question so that the XXXX Department can lift the restriction on my account. I promptly submit the documents and I am told to wait up to XXXX business hours in order to process said documents. XXXX hours later, I call for an update and am told the documents were never received. Even the documents from yesterday too apparently. Even though I have proof that every single XXXX of these emails containing the necessary information was provided as said previously. I am once again told that I need to resubmit the same exact documents, except this time I need to put a reference # in the subject of the email itself. Okay, fine, why not. I do so, wait another XXXX hours, only to be told by the supposed supervisor of the XXXX Department of Netspend Skylight that they can't lift the lock on my account anymore and must now forward my issue to the Headquarters of Netspend Skylight in XXXX, TX so that they can solve the issue. I am told that I should expect a call tomorrow from them. 
XX/XX/2022 : The Headquarters for Netspend Skylight isn't even open on Saturday. I've received no such call. The supervisor of the XXXX Department flat out lied to me just to get me off of the phone. As far as I know my money is stolen since I am completely unable to use any of it even though it was just unlocked XXXX days prior ( but then promptly relocked once I tried to use said funds for a type of purchase I have made numerous times using said account~food ). After realizing the HQ of Netspend is closed on the very day the supervisor said I would be called by them, I call their help-line back for an update on my situation. And am promptly told the same exact thing, that they are " sorry for the inconvenience! '' I have not been able to buy food or gas for the past XXXX  days now. Enough is enough.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts appear on my credit report, and I have no clue why theyre there. I checked my credit report as I usually do, but this time I found unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed ; the inaccurate entries stayed. Im deeply concerned and am asking for a thorough review of the documents Ive provided, so I can finally put this issue behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America credit card showing balance due $ XXXX this was discharged thru XXXX final on XXXX -- 2022 they are reporting a balance due incorrectly and cause harm to my my personal finances
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$2200.00} XXXX XXXX, {$500.00}, XXXX XXXX 

XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX , XXXX ( Inquiry ) XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( Inquiry ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Inquiry ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX WI, XXXX ( Inquiry ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX ( Inquiry ) These inquires and collections do not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.
Product: Checking or savings account

On or about XX/XX/2023 Chime closed my accounts. They said the account was closed because of suspicious loads ( deposits ). The only deposit was my regular paycheck. I understand that a lot of fraud occurs with banking and although my direct deposit is always from XXXX I understood that they had to be thorough in checking the legitimate deposits. I sent the documents to support that the deposit was legitimate and I gave them time to resolve the issue. I called back in XXXX and inquired about the funds. I was told that the balance of my account in excess of {$1700.00} would be mailed to me. I gave it more time and called back in XXXX. They requested proof of address, paystub, ss card, and state identification, I provided all that information again. In total I sent the same documents at least 5 times. After sending the information requested I received an email stating my account was ineligible for a refund. I recently spoke with a representative about this matter who again asked me to provide supporting documents and I did. He personally reviewed them and told me that he could see no reason for not reopening the account. I assumed the matter was resolved and attempted to log into the account to which I still do not have access. I called again and got the same run around. I did some online research and discovered that Chime has been notorious for closing accounts for no good reason.
Product: Credit card

( 1 ) A fraudulent charge for {$900.00} appeared on our Citibank XXXX statement on XX/XX/year>. 
( 2 ) The merchant was listed as " XXXX XXXX XXXX XXXX NY, '' not an entity we are familiar with. A " transportation service. '' ( 3 ) We thought the charge might be for a six-minute {$50.00} XXXX  ride we took in XXXX XXXX ( the driver said he was charging our card for {$50.00} and did not give a receipt ). But I am not sure that the {$900.00} charge relates to that event, and we have not been able to verify that, including because Citibank had not ben responsive with any information about the merchant or the charge.

( 4 ) Citibank initially issued a {$850.00} credit for the disputed charge, and then reversed it.

( 5 ) Citibank has not provided contact information for the merchant despite repeated requests.

( 6 ) Citibank has not provided any explanation for the {$900.00} charge, despite repeated requests.

( 7 ) Citibank claims that XXXX will not provide information about the merchant or the charge either. 
( 8 ) I do not know how many other consumers have been taken advantage of by false or inflated charges by " XXXX XXXX XXXX XXXX NY. '' ( 9 ) Citibank and XXXX should not be shielding this merchant - whatever sort of business it is- and facilitating its fraudulent charges. 
( 10 ) I am hoping you can help us and any other consumers that may be affected by this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Explained that this account was opened Fraudulently by someone using my information this is being reported negatively on my experian report the amount is XXXX
Product: Credit card

I recently submitted payment nearly two weeks early for the statement balance on my Amex XXXX XXXX XXXX credit card. I accidentally sent the payment using a lesser used checking account of mine. I did not realize this until a few days later when I received an email from my bank and Amex stating the transaction could not be processed. To rectify the situation, I quickly transferred the needed funds over from my primary checking account to the other in order to allow the original transaction to be processed. This payment was received by Amex before the payment due date and yet they still charged me a return payment fee of {$29.00}. A few days later, I asked Amex to refund this charge since this was the first time I have had this issue and it was a genuine mistake. They denied my request based on unclear grounds. Overall this fee seems unfair to me, seeing as I took numerous steps to resolve this issue in a timely manner ( in the midst of the XXXX holiday ). I find this fee is predatory and have encountered similar fees with them before.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX. The report contains several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific issues I have identified : XXXX. **Inconsistent Name Listings** : My credit report lists my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inconsistency could lead to confusion regarding my identity and XXXX XXXX shell be the only name on my report 2. **Address Discrepancies** : The report lists multiple addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my report It is unclear which addresses are current or outdated, and this lack of clarity could misrepresent my residency history. 

3. **Employment Status** : The report states " NOT EMPLOYED, '' yet it also lists a previous employer, the XXXX XXXX XXXX XXXX XXXX without specifying dates of employment. This may mislead potential creditors regarding my employment status. I am not employed anything that says I am employed or have an active duty status is inaccurate. Please delete unemployed on should show to all 3 Bureaus 4. **Future Dates** : The report includes dates in the future XXXX XXXX XXXX XXXX XXXX XXXX This is not possible for a credit report, as it should only reflect past and current information.

5. **Missing Employment Details** : The employment section lacks specific details regarding my job history, which may misrepresent my financial stability.
Product: Debt collection

I have never missed a payment with this company, suddenly my credit report was saying I was late and behind on payments. I have payments set up on auto-draft so that I could not miss any. However, I never received any communication that those payments for whatever reason were not received. This is extremely difficult right now as I am trying to clean my credit in order to buy a house. It is severely impossible to do so with things being on my credit that could have been easily communicated in order to be taken care of.
Product: Money transfer, virtual currency, or money service

Scammer gained access to my Venmo account and changed my login details so I was locked out. I didn't receive any warning or notification from Venmo that this had happened. They changed the bank account and intercepted an incoming payment of {$1200.00} that was intended for me. Venmo did not protect my account and its undetermined whether I will be able to recover this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and chexsystems about an account that was charged off on XX/XX/2011. It is explicitly stated that each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. With that said, its been 7 years and I have spoken with XXXX XXXX and the Chexsystem and they each continue to tell me to speak with the other party. This has caused me to not receive employment, be denied from loans and its me and my wife from purchasing our new home. Please remove this account from my ChexSystem report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( trans union XXXX XXXX XXXX and XXXX  ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Recovery Bureau, LLC Current Creditor : XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX Acct # : XXXX This company has been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintains that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
The Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding the incorrect information reported on my credit report. This issue has caused significant harm to my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a dire situation, and the false information has severely impacted my reputation. It is imperative that these errors are removed so I can peacefully live with my family.
Product: Student loan

I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX
Product: Credit reporting

The judgement was settled and dismissed and never should have been placed on my credit report
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court # XXXX US BKPT CT XXXX  XXXX # 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.