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

I did not authorize these transactions to this account nor did I make them my name and signature was not used and I reported it to the bank to not allow any charges nor did I get any alerts it stays on my file a plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Aspire credit card did the same exact thing to me with a XXXX XXXX I didnt authorize any transactions amounting to any payments sowed also this company never paid me my money back from the account they closed that was not overdue I have the statements showing I paid please remove from my record this is fraudulent aspire credit card company Oag is not correct I make payments not the full payment but I pay what I can do my payments are not late and should not be on my credit profile
Product: Debt collection

XXXX XXXX XXXX hires a third party to bury lines on ones property for the purpose of having fiber optic lines. The problem with this is that these companies do a poor job of actually burying the lines. They come out with a machine that digs a hole so that another person can bury the lines that follows behind them. However next to the house the lines are only a few inches deep and they pay no attention to that. Animals can dig up these lines because you can actually see them. I sent pictures to XXXX XXXX XXXX and complained about this but what do they do? They send me a bill because of the sloppy work done on my property. This was the THIRD time they had to bury these lines. Next door new property cut the lines installing sprinkler systems when they were only a inch below the ground. Why can't they place PVC pipe ( very inexpensive ) on these lines instead a sending a bill to the homeowner. I still have no idea where the lines are.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. T
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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

I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. Transunion & XXXX  is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/2017. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/2017. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both Transunion and XXXX  that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Bank account or service

I opened a bank account at a local wells Fargo Bank, and yes I am a victim. 
The bank account I was told had to ave a savings account attached but it would not be debited unless I overdrafted or failed to have XXXX withdrawals from checking in a calendar month.Then through stupidity I bought something on a pop up and although my account also said nothing would be taken from that saving account to cover the overdraft and there would be no fee for being overlimit on my account if it was under {$5.00} they took it from my account and although the vendor gve me a credit the money was never put back in my account then they started taking money from the account for fees, an account I did n't want in the first place. then they told me that unless I added more money to my account it would be closed. Then that money was suddenly gone, the day after XXXX was put in. The documents attached to my statements disappeared. Then the statements disappeared and they were supposed to be there for 7 years. I called the number on the back of their card and they told me the money had been taken to cover an overdraft on a previous account which was totally wrong and she was supposed to have a copy of that pre vious account e-mailed to me and the line went dead. Nothing was ever e-mailed to me and I have no idea what they are talking about since when I left their bank previously to go to XXXX XXXX it was because they had without notice closed my fiances account and left him with no way to get his social security check, Guess they get their money any way they can. I was very irritated at the girl I was talking to on the phone and said no wonder you are always in trouble with the fdic, and she said they weren'tI I told her two weeks ago that I was going to make a complaint, and within a day or two we heard the news about firing XXXX employees at wells fargo and they were being fined a very large amount. 
I told the lady when I opened the account that My income was very low and could not afford to lose any to fees. She said it would be taken care of within a month they were taking money from my savings, All of the problems below were part of the problem, they would freeze my debit card because I spent more than the alert I set up and they sent me an e-mail that did n't say I had to respond, so I 'd be out for lunch with no way to pay for it. That happened twice on this account and at least once on the last one
Product: Debt collection

On XX/XX/2021 I called XXXX XXXX to inform that I paid the XXXX account in full and to ask them to remove the collection from my EQUIFAX credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.
Product: Checking or savings account

On XX/XX/XXXX Capital One reversed all charges from XXXX  XXXX that I had disputed and provided letter from a doctor that my membership be put on hold/canceled due to XXXX. There were 7 transactions of {$36.00} and one of {$49.00} that was reversed. XXXX  XXXX kept charging my card even After I provided letter from doctor that I was high risk XXXX a d couldnt work out. So I disputed my charges and it was still reversed after i provided all necessary information. Thank You
Product: Mortgage

I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

On XX/XX/2022, I received a letter from the company along with a copy of the alleged loan agreement for an alleged amount of {$2000.00}. The letter also indicated the company had responded to my request on XX/XX/2022, though the letter does not indicate how the company attempted to contact me. I have no knowledge of this alleged correspondence from the company in XXXX of 2022. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.
Product: Student loan

I qualify for the loan forgiveness and I have tried to do this for years and I have always been given the run around and have been told no. I worked for a XXXX XXXX XXXXl for thirteen years and I know I qualify. Last time I contacted NelNet, they told me I have to reconsolidate my loans and see if I qualify. NelNet just wants to deter people from having their debt whipped out and I owe a little under {$6000.00}.
Product: Credit reporting or other personal consumer reports

There are three hard inquiries on my credit report that I have no idea where it came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They dont belong to me
Product: Checking or savings account

Any time I have money in my account, takes everything out the next day, and then it lets me know I do not have enough money to pay for items, so its hard to overdraft me each day that I dont have the money in my account. But I was informed that I would not overdraft me because I turned overdraft off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to reason and explain to TOTAL Visa that they have made a mistake with their reporting of 30 days late on my account and have gotten nowhere. I have sent in proof that my payment was made on time by sending them information via email and fax and also through the CFPB and they have refused to acknowledge their error. They have received a screenshot of when I submitted payment, bank statements proving their claim of that bank account being closed or not found as being wrong and bank statements showing Ive used that account with them in the past. I will now be sending in proof that my Credit Union never received request for payment as I also had to file a complaint with the NCUA about this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX From : XXXX To : XXXX XXXX Fri, XXXX XXXX at XXXX XXXX  accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delate the ccounts below. 
Attach documents ( optional )
Product: Money transfer, virtual currency, or money service

Hello, I have been using Binance.US ( otherwise known as BAM Trading Services, Inc. within the US ) to purchase cryptocurrency and encountered an issue where on XX/XX/21 I attempted 2 USD transfers via ACH from my FDIC insured bank account to my account with Binance.US. After waiting for 5 minutes for the transfer to go through, Binance.US reported that the transfer/deposit failed ( both attempts ). I then attempted to use my debit card linked to the same bank account to transfer funds. This transaction was also reported as failed by binance.us. By the way, Binance.US says that funds held as USD with them are FDIC insured.

As expected with the failed transactions, no USD funds were deposited into my Binance.US account. Okbad productbut no harm, no foulor so I thought. I logged into my bank account on XX/XX/21 and saw that it was debited by Binance.US for {$500.00} despite the failed transfers. I logged into Binance.US to check for the {$500.00}. Nothing. 

So in short : I was told the transfers failed, my bank account was charged anyways, but I never received the funds in my Binance.us account. 

I submitted a ticket/service request with Binance.USs customer support on XX/XX/21. They said that it usually takes 30 business days for an initial response ( which in itself is unacceptable ). I waited and waited and waited. No response. 

I resubmitted a ticket/service request on XX/XX/21 and waited two more weeks. I then took to other methods of contacting them ( they dont list a phone number ). I noticed they have an active XXXX page with a support request section where you can request to have your ticket escalated. I submitted a message in that section and received a response that my ticket was escalated around a month ago. After waiting another week of no response, I submitted a request again on XXXX with the same message of escalated ticket. 

On XX/XX/21 I received my first email from XXXX at binance.us customer support saying that they received my request and submitted a request to their payment provider for additional research. That was the last that I have heard from XXXX. On XX/XX/21 and XX/XX/21 I reached out to support again via XXXX. Same response. Yesterday I also attempted to contact them on XXXX. Received a similar escalated ticket response. 

I have copies of all communications and screenshots of my accounts/account statements. 

At this point the issue has been outstanding for 3 months. I am running out of options. The amount of time and effort I have put into this is worth more than the money and Im considering filing a lawsuit as this is now, in my mind, bordering on theft. Contacting CFPB is my last effort to get this resolved before going the legal route. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate & REMOVE these Fraudualent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

stop threatening me over a debt owed which has been taken care of with XXXX  payments!!! XXXX XXXX XXXXXXXX!!!
Product: Debt collection

On XX/XX/2023, I sent a letter to CKS Prime Investment asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had 30 days to supply the information and have not.
Product: Debt collection

I have been getting emails from Revvi credit card about a debit that I owed that was due to fraudulent activity and stolen identification And they said that I was responsible for the debit even though my correct address is not the address they have for the account they said is mine. And I request that this be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on XXXX and Transunion. 

XXXX XXXX XXXX ... XXXX This account is over XXXX years and needs to be remove. Showing on XXXX XXXX XXXX ... XXXX .. This is is over XXXX years old and needs to be remove ..Showing on XXXX. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within XXXX business days. These must be done upon receipt of the following : ( XXXX ) proper proof of my identity, ( XXXX ) a copy of my identity theft report, ( XXXX ) my identification of the fraudulent information, and ( XXXX ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Product: Debt collection

There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed multiple inquiries from lenders that I did not authorize. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Trying to negotiate payments due to extreme hardship. This is my second unsuccessful attempt to work directly with Chase and they are not willing to budge on APR and late fees without a giant sum of money I dont have. Charge off is next week. On top of that I have been refused access to my online account by two different representatives. I need to be able to see the account, not just pay them blindly. They also told me to go through a credit counseling agency. It's nonsense when they can work with me directly.