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

This bank needs to stop denying legitimate claims my claim were part of a full blown investigation last year theres no reason I should be hearing that mt claim was denied at all one thing you cant do is approve all of my of my claims besides the one in the amount of XXXX claim number XXXX account name XXXX XXXX you guys know I never received my card this how all of this ended up happening not to mention it was compromised more then once thanks to Bank of America XXXX strip card in also told that none of my faxs are not going through but they are going through on my end iv even sent them through different fax machines as well as faxed over 20 documents to be attached to my claims numerous of times iv also had representatives ignore my request transactions have been skipped just FIX MY ACCOUNT PLEASE LOOK INTO THIS BANK THIS BECAUSE WHAT THEY ARE DOING IS IS NOT OK I NEED MY MONEY NOW PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
XXXX XXXX  XXXX
Product: Checking or savings account

- I hired an XXXX to create a logo for my company, not only were the logo of not of consistent quality presented in the XXXX portfolio, but I did not receive the product. 
-I reached out to FOUND and received next to no support or advocacy. I provided all requested materials and was met with resistance and denied an investigation into the matter. 
-The representatives at FOUND ( XXXX XXXX and XXXX XXXX ) refused to place a phone call after asking on three separate occasions. 
-The representative even provided misinformation regarding my dispute, which furthers my disappointment in this complaint process as it was mishandled/not handled at all. 
-I was told by FOUND that because I received pictures of logos " drafts '' not even watermark drafts that I received a product, which is really absurd because drafted pictures are not final and I was clear about the XXXX not working in a direction as discussed. 
-I was told by FOUND that I paid a deposit, when in fact I actually paid the XXXX full fee which is noted in the contract, noted in the invoice and also XXXX full fee is noted on her website. ( of note, the XXXX increased her price by {$50.00} since last month ). 
-I have been adamant with FOUND that I have never received any digital files with logos and therefore, I want a refund. 
-The staff at FOUND have been very inconsiderate and wishy washy in there communication with me. 


-The XXXX was hired and paid {$350.00} in full on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed certain items that have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company proceeded without my permission.
Product: Credit reporting or other personal consumer reports

According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed again these inquiries for accounts I never requested to open. These are fraudulent and the first investigation for my complaint was a failure. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Product: Credit reporting or other personal consumer reports

These Accounts was charged off on XX/XX/XXXXXXXX  and XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. XXXX, Equifax, and XXXX XXXX has failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion on the Follow Accounts : XXXX XXXX XXXX Account Number : XXXX / XXXX Account Number : XXXX / XXXX
Product: Checking or savings account

I opened an account with Umpqua Bank online mid XX/XX/year>. They have withdrawn the funds from my credit card to fund the account and they have been earning interest from my {$2000.00} since XXXX when I opened the account. However, access to the account has been frozen by their fraud department. Every time I call, I wait on hold for 2 hours. They tell me that I have to come into a branch to show evidence of me owning the card that I funded the account with. I am unable to attend a branch in person as I'm not anywhere close to a branch and don't have a car even if I was. I talked to a fraud investigator today and told them my situation. They told me I could email the documentation which I did 5 minutes later. Now when I call them they say they can't accept anything emailed. 

I'm at an impasse as I don't have access to a branch or means to get to one. They have my funds and are refusing to give me access to them. I am now unable to eat or pay bills.
Product: Debt collection

A collection showed on my credit report, otherwise I would never have known about this. My social security number has been stolen and so I have freezes on my credit to stop fraud. However, this collection from COLUMBIA DEBT RECOVERY LLC DBA GENESIS showed up stating I had owed money for living in a XXXX, FL apartment complex. 

I live in XXXX, OH and own a house with my wife. I've never owned property or lived outside of XXXX, OH. This is clearly fraud and I did not live there. The amount is for {$11000.00} for an apartment called The XXXX XXXX at XXXX placed for collection on XX/XX/XXXX. I have filed disputes with the credit bureaus, which is insane because XXXX has dropped it but XXXX and XXXX won't. Makes a whole lot of sense ... and have contacted both Genesis and XXXX XXXX XXXX. I have contacted XXXX  XXXX XXXX several times who won't actually review this info and WILL NOT RESPOND TO ME. 

I built a house in XXXX of XXXX with my wife where we reside and did not live or reside in the apartments at XXXX  XXXX XXXX ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX-Late/Open Late Dates XXXX
Product: Payday loan, title loan, or personal loan

Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that XXXX is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. XXXX indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called XXXX and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes  while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. XXXX continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently the victim of a fraudulent unemployment claim filed with the state I live in. When attempting to work with the credit agencies, I realized how terrible their security STILL is, even after the Experian data breach. 

For example, I am able to alter my Experian contact information and conduct other account actions with only my SSN and my DoB. That allows an attacker who has illegally obtained that information to effectively alter and modify your credit report agency file. 

From what I can tell, NONE of the three credit bureaus have implemented any kind of two-factor authentication using rolling codes or even token devices?! WHY!!!!?!?? 

As it stands, I am effectively locked out of my Experian account, unable to login, unable to reset my username or password. I am unable to actually SPEAK to anyone at Experian as I have tried every option in their phone tree that again, authenticates me using nothing more than my SSN. 

These credit bureaus needs to step up their cybersecurity game.
Product: Credit card

At one point I signed up for PayPal Credit, but never used it. I cancelled this service, but later found it had been hacked resulting in fraudulent charges which went unpaid. 

Apparently my cancelling the credit account was never completed and there continued to be fraudulent charges made. I only figured this out when I noticed my credit score was plummeting. 

The whole problem with the PayPal Credit account has been resolved, however my credit score has not recovered. 

This bothers me immensely due to the fact I am always current on the few bills I have and my credit score has been between XXXX - XXXX or so. 

My question is, can I get the PayPal problem expunged and restore my credit score? 

Thanks for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian are reporting different information about account XXXX. I have not received anything verifying this account, but it is reporting in accurate. Both have different open dates, both have different last active dates, I have no payment history at all to verify anything! 

Please remove this account for being unverified and inaccurate!
Product: Money transfer, virtual currency, or money service

I was scammed by people impersonating XXXX  and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/XXXX from my bank Bank of America. I filed a claim with BoA on XX/XX/XXXX, claim number XXXX, before the cashier 's checks were deposited on XX/XX/XXXX. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds on XX/XX/XXXX. {$40000.00} was deposited to XXXX XXXX and they released the funds to fraudsters before investigation. On XX/XX/XXXX, BoA sent me the Scam Victim Acknowledgment letter and I have signed and returned on the same day. When following up with BoA, BoA has verbally informed me when I filed the claim, a fraud alert was flagged on the checks and the receiving banks should be able to receive the alert and hold the funds until the investigation is finished. On XX/XX/XXXX, XXXX check hold department called me to verify the {$53000.00} check and I informed them about the scam and they told me they would hold it and not release it. On XX/XX/XXXX, XXXX check hold department called me again to verify the {$49000.00} check and I informed them about the scam and they would hold it and not release it. When I followed up with XXXX, it seems to be the case and they told me they caught the alert on XX/XX/XXXX and froze the funds on that day and has not released the funds. When I followed up with XXXX XXXX, they have denied receiving any alert from BoA on XX/XX/XXXX until XX/XX/XXXX the hold harmless document, hence they already released the funds and there are no funds available. Without the alert document, it is unclear what and when actually have been alerted to XXXX and XXXX XXXX and which financial institution should hold accountable for negligence and misconduct. BoA and XXXX XXXX are playing " he said she said '' with BoA said they sent the suspicious alert on XX/XX/XXXX but XXXX XXXX said they didn't receive anything from BoA until XX/XX/XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX department also informed me they are holding {$51000.00} and {$49000.00} of the funds and BoA has to claim the funds from them to return. 

On XX/XX/XXXX, the claim is closed and only {$51000.00} was recovered. This doesn't align with XXXX 's holding both {$51000.00} and {$49000.00}. The {$49000.00} is missing. BoA should provide me a final decision from both XXXX and XXXX XXXX if they have officially declined the {$49000.00} and {$40000.00}, respectively. More over, if BoA did sent the suspicious alert to XXXX XXXX and XXXX XXXX didn't act on it, XXXX XXXX should be liable of releasing the funds, if BoA failed to send the alert, then BoA should be liable. I'm asking BoA to provide the document of what alert, flag and/or precautions have been taken on the cashier 's check or to the receiving financial institutions upon filing the claim. I'm also asking BoA to provide the final decision document made by XXXX XXXX and XXXX that they declined to refund the {$40000.00} and {$49000.00}, respectively.
Product: Vehicle loan or lease

Someone used my personal information to obatin a car in my name. Which i did not authorize anyone to do that in my name. I have discovered that i was a victim of XXXX data breach.
Product: Debt collection

I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.
Product: Debt collection

Global receiveable solutions has reported a item on my credit reports that I have already spoken to them and advised that i was disputing the charges with the insurance company as it should have been covered by the insurance company. After telling them to stop calling me they repeatedly continued to call me. I would get three to four phone calls in a row with no voice. Prior to them calling i was NEVER advised that this account was sent to a collection company until i brought it to there attention that i never got a statement in the mail. I have gotten one statement letting me know that this account was in collection, and have not received Anything from them. In addition to that they are calling me from multiple phone numbers that are not addressed as a collection company but as a local phone number with an area code of XXXX. I have already told them multiple times to cease and desist and they continue to call me.
Product: Credit reporting or other personal consumer reports

I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM EXPERIAN, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax refuses to remove incorrect information on my credit report monterey collections, XXXX XXXX XXXX  and XXXX XXXX XXXX  and XXXX XXXX  and update my correct address. and refuses to remove incorrect inquires.
Product: Checking or savings account

I got a letter with a debit card to be activated it was from Ally bank which I have no account with or never had any transactions with. As usual I called the bank and was asked for personal information ie name date of birth last four of ssn and mothers maiden name. I just find it very strange that a bank debit card with my name be addressed to me that I have no business with
Product: Student loan

XXXX   XXXX , offered my family and I a smart option loan  in 2009 that we have  been paying on since the month after we were approved for it. We have been paying on this " low interest '' loan for the last 8 years and my principal has only gone down {$350.00}. The loan was to pay off all the interest while I was in school, and then after I graduated, the payments would go towards the principal. However as I keep checking my balance, it does not go down ... I continually accrue late fees, and my consigner is harassed. He was  receiving 5-10 calls a day, stating I was not paying and he would be aff ected. However, I was on a set payment plan where the money was taken directly from my bank account every other week. The options for me to actually get this loan paid off are slim to none. The amount I 've paid in the last 8 years, every other month, equals about the principal that I borrowed in the first place, yet less than {$400.00} has come off the principal.
Product: Credit card or prepaid card

I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay.

I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity. 

The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true. 

After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable. 

Now, for the past XXXX  months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified. 

The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.
Product: Credit reporting or other personal consumer reports

I have written Equifax and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified as accurate and I never received the original contracts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.