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

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Received a call from bank of America ( my banking agency ). Was asked if I'd authorized a XXXX transfer of {$3500.00}. I said no. Didn't even have XXXX set up. Was told I'd have to set XXXX up so the money could be returned. Followed the caller 's directions and transferred the money back to myself. When I ended the call I double checked my bank account and saw the money was gone. 

Called bank of America back and was told their number had been spoofed and I was scammed. They started a claim and said it could be 10-45 days for a resolution. I was informed the money went to a XXXX XXXX and they would try to get my money back. I was told they had sent information of this type of scam via email awhile back. I was also told they wouldn't be able to do anything for me if XXXX XXXX  won't release the funds back to them, so essentially I could be out {$3500.00} dollars. 

I always file all bank emails in a folder, but when I double checked it for the year I didn't come across anything about this scam. I also didn't see any thing in any correspondence they've mailed to me this past year. 

They've been working on this claim with no real updates or any promising information to give me. I'm out {$3500.00} that I desperately need. It was all we had. I know I made a mistake. But we have received legitimate calls from bank of America 's fraud department in the past, so how would I have known this one was a scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX on XX/XX/XXXX, stating that Equifax was supposed to remove all information related to the bankruptcy and public records because it could not be verified. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX ) ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX  ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My complaint is related to a COVID-19 small business grant awarded to my business. XX/XX/2020 I received a grant from the XXXX County small business association. The money was for payroll and other  business needs. While in the process of closing my account I didn't realize and forgot to update my info with the business association. The grant was deposited a few days after closing of my account so I contacted the bank and explained the issue, I was asked to provide proof of business. I have provided proof they asked for but they have yet to return my money. I have been hung up on and recently been told I wasn't any where in there system as a client. I get transferred from person to person and treated very poor by citibank staff.
Product: Debt collection

United Revenue Corp is reported me to XXXX but I have never used any services from them or their affiliates. I asked them to provide me documentation of this debt so I can turn it over to proper authorities. But to no avail they did not do so. I verified my Idenity and current and previous address with them but the address they have for me I never lived there. I told them it is mistaken Idenity but the refused to notify XXXX to delete the accounts. They are on my credit report 4 times all different accounts.Account numbers are as follows : # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date.

Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 Dear Sir or Madam : I am writing to file a complaint against Eqifax , Inc. I have contacted Equifax multiple times to receive my free annual report including by mail, fax, online, and over the phone over the past few months. I am being told to send copies of my driver 's license, social security card, and a current utility bill to Equifax to verify my personal info, which I have done more than once now and I have the transmission reports to show. The last fax I sent to them with my documents was on XX/XX/2022 to the fax number ( XXXX ) XXXX. Each time I contact Equifax to resolve this matter I have been told to either wait more time for them to receive my documents or to try and send them again. I appreciate your help in this matter. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/XXXX, i accepted an offer from CitiBank to transfer a balance from another credit card. under the terms of the offer, i paid CitiBank {$150.00} for a {$5000.00} balance transfer which would bear .99 % interest until XX/XX/XXXX. 
i had previously tranferred a balance with CitiBank which expired on XX/XX/XXXX and bore interest at 0 %. on XX/XX/XXXX and 15 i paid {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. Citibank applied most of that {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. 
Despite repeated calls, Citibank has refused to alter their allocation of the {$6000.00} payment. 
their explanation is based upon airline charges i made on XX/XX/XXXX which somehow altered the manner in which my payments were credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRES. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} CARVANT FINANCIAL LLC XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

I contacted 360 Mortgage group on XX/XX/XXXX regarding endorsing a insurance check from damage occurring to my property from hurricane Florence. I was advised by a representative named XXXX that my mortgage had been sold out to XXXX XXXX XXXX  as of XX/XX/XXXX and they were not endorsing my check. I even offered to overnight the check to 360 mortgage and pre-pay for them overnight the check back to me. After reaching out to XXXX XXXX, XXXX advised me they had no records of receiving my mortgage from 360 mortgage and they could not help me. After playing phone tag back and forth I called 360 mortgage back and XXXX again answered the call and I advised him of what XXXX XXXX had said he then again refused to help me. I asked to speak with a supervisor and he refused to let me speak to one saying one was not available. Can someone help me? I need my house fixed and the contractor is ready to start. I have tried contacting the insurance company but without documents from 360 mortgage stating my mortgage has been transferred they can not change the name on the insurance check. 360 mortgage is refusing to provide documents for this transfer.
Product: Debt collection

- End of XX/XX/2023 I called XXXX XXXX XXXXXXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from ABC Fitness Solutions, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.
Product: Debt collection

I have but one question to ask XXXX XXXX as I file a complaint against both the debt collector and XXXX XXXX. Why did they not adhere to their own contract agreement with me. ( XXXX XXXX 30 days no questions asked cancelation ) Because, in fact that is what I did, canceled before the 30 days had ended. Yet after repeated calls to XXXX XXXX they never canceled my account, as requested. Allowing multiple months to build up, and created the debt so that they could charge it off on their taxes. They ( XXXX XXXX ) are now continually assaulting me financially with debt XXXX. Whom shouldn't even be collecting the debt. Due the fact, it isn't even supposed to exist. Because once again, I canceled my account with XXXX XXXX  with-in and before the 30 day contract of no questions asked cancelation ended. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a bank account with chase bank and used my over draft for roughly XXXX.  Shortly after opening I suffered A XXXX and was out of work so I was unable to deposit the overdraft back into the account in A timely manner. I asked A family member for help to clear the account and they wrote me A check in which I deposited into the account. The family informed me the next day she wrote the check mistakenly from the wrong check book. ( She has multiple accounts ) I immediately contacted chase and asked them to do a stop payment on the check so that it would not become available and overdraft my account more. They stopped the check and all was fine. Eventually the account closed due to me not paying the XXXX in time. I went to open a bank account and was informed chase has reported " Account abuse '' on my banking history report. I never abused the account and it was closed due to the overdraft. I spoke with XXXX XXXX who informed me to write a dispute. I completed the dispute and has had no outcome or resolution since. I informed chase in branch rep that I would be willing to pay the XXXX as I am back working. But I would like the incorrect info removed. I informed her it should have showed closed die to overdraft because that's why I owe the balance. I was informed they sent an email but due to cornavirus they're not sure when I would get a call back. It's been almost A month and this is still on my banking report with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently disputed sone information that do not me that was listed on my LexisNexis report. On XX/XX/year>, I was sent a Results of Reinvestigation letter. My Consumer NumberXXXX Case Number : XXXX. The results of your investigation stated We have reviewed the information from our XXXX XXXX XXXX XXXX and determined the data being reported as UNVERIFIABLE but yet you did not remove the information from my consumer file. Per the Federal Credit Reporting ACT 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) - Procedure in case of disputed accuracy. If, 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. LEXISNEXIS Did not remove this unverifiable information from my consumer file which is a violation of the FCRA. Im a litigious consumer and I will not hesitate to file a lawsuit for violations of the FCRA which I can received up to {$1000.00} per FCRA violation. I have attached a copy of my FTC Identity Theft report for the following items. Under SECTION 10 : XXXX XXXX XXXX XXXX. RECORD XXXX XXXX XXXX XXXX and RECORD XXXX XXXX XXXX XXXX. I do not know who this person is and why name is listed as a Secondary Policy .Holder. PLEASE REMOVE. Under SECTION XXXX : Insurance Policy Records RECORD XXXX XXXX XXXX. I never had a policy with this customer and dont know how I am listed as a driver on somebody else insurance policy. PLEASE REMOVE. SECTION 11 : Department of Driver Services Records RECORD 1 XXXXXXXX XXXX XXXXXXXX under Drivers License Operator Details I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 1 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 2 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 3 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. I implore you for the last time to get your records in order as he next time I will be filing a lawsuit for multiple violations of the Federal Credit Reporting ACT. I take this matter very seriously and I hope you will do the same.
Product: Checking or savings account

I had scammer hack into my checking account from chase bank ending in XXXX and reverse some charges I never got and alert from chase I disputed the charges but chase said XXXX XXXX  was a third party and there is nothing they could do about it and sent the money to XXXX XXXX  to an account that didnt belong to me the scammer created an account in my name and took the money tried to explain to XXXX XXXX what happen and they said because I did so many XXXX XXXX they felt like these where authorize charges the never investigated they just assume because I used XXXX XXXX alot the charges was authorize this has cause my rent checks to bounce and my account into the negative with chase if you could help me I would greatly appreciate it thank you the amount was for XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.