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

I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. 
XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by Experian. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.
Product: Credit card or prepaid card

I have a Direct Express Card I used the card to send my daughter money and then I took the money back off the card so it would have left me a balance of XXXX on there'sthen i heard XXXX missing off of the card. I called at that point to find out where the {$56.00} went they told me that I'd have to wait that it was still pending that have to wait 5 days. On XXXX 2020 I called to let them know that money was missing and asked where the money was in what company it was they told me something FL XXXX I don't know that company I didn't use the card my husband never used the card my kids are XXXX and XXXX they don't use my card the lady told me that she could tell that it was fraud based on looking at it and that there were three other ones and gave me three other dates that money was missing off the card is well their own company told me that it was fraud to begin with on the XXXX when I talked to her she told me that it was fraud and all I had to do is fill out a form in the money would be credited that was the phone call I filled out the form I sent it in now they're denying me telling me that it's from being online and it's a recurring online fee and I asked them where and they gave me letters it's not even a company it's a bunch of letters I asked where it was being used what those places are they told me they don't know they can't give me that information how can you not give me the information to where you sent my my card my money I went and talked to a supervisor after supervisor first they told me they couldn't even connect me with the people that look into it and then the next person said over why don't we connect you to the people that investigated it and they still don't know and still gave me yzq are whatever a bunch of letters okay and told me that it was from online I don't use my stuff and when I do use it for online I know where it's being spent when I use it online I use it for stuff like my Internet bill which is {$10.00} a month I use it for my electric I didn't use it for electric this month so where did this {$230.00} go they can't tell me all they can tell me is it comes off reoccurring and I even went and got a new card and now I'm going to make a police report.. I look up the places online and they're different domain sites so now they're telling me I'm paying online to own domains I'm an at home mom that does nothing I'm very sick I do nothing I don't own any domain I wouldn't even know how to get a domain I can't even get my keyboard to unstick on my computer my space key don't work and I couldn't even tell you how to undo my space kitty make it work. Totally switching to a different card as soon as I can had it not been so close to the beginning of this month I'd be switching it already I can't wait for my money to load to a new card or else I'd be kicked out of my house
Product: Checking or savings account

Would always put a 2 week hold on deposited payroll check. Multiple iver draft fees for unexplained reasons. This resulted in changing banks.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft over the years after my Wallet with all my personal information was stolen. 
XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I transferred XXXX bitcoin from Bittrex.com to Coinbase.com. While XXXX shows the transaction was completed and successfully sent, Coinbase does not show that any amount of this transaction was received, or even pending. There 's no evidence on Coinbase that any bitcoin was received at all. I have contacted Coinbase about this issue twice in the past, once via the online support on XXXX/XXXX/XXXX ( Case ID : XXXX ), then again through Coinbase 's telephone support on XXXX/XXXX/XXXX ( Case ID : XXXX ). These cases are still open on Coinbase and unresolved. I have been unable to gain access to my funds in nearly 3 weeks. 

Through XXXX I was able to find my Coinbase address to which I sent my Bitcoin, as well as the Transaction ID : Address : XXXX TxId : XXXX
Product: Credit reporting or other personal consumer reports

I received a settlement check from a class action lawsuit XXXX v. CoreLogic Credco LLC ( case no. XXXX ) and wanted to know if the check was valid or not. I called the XXXX number on the letter and spoke to a customer service representative, but she wanted my personal information to verify if I was affected by this lawsuit. I wanted to check here first in case it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still remaining Inquiries that are reported to my Credit Report. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Finacial is not reporting my accounts correctly, I have spoken with them about the matter and it still has not been corrected!!!, This issue is that I have 2 accounts with them, they are reporting both accounts to XXXX, but reporting only 1 account to each of the other credit bureaus XXXX and XXXX. Since this matter I have paid one of the accounts out completely. And one of the accounts has not reported since XXXX of this year causing my credit score to not be as high as it should be.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX daughter, executor, administrator and personal representative of the estate of XXXX XXXX who passed away on XX/XX/2019 fifty eight days after his wife XXXX XXXX. At the time of his death Mr. XXXX had an unsecured personal loan with Bank of OZK with a remaining balance of {$2700.00} I was not assigned as executor by the court until XX/XX/2019, bank of OZK was immediately notified days after his death, I have filed notice to creditors the day after I took office. On Friday XX/XX/2019 at XXXX XXXX. I was contacted by the bank branch that there legal department was going to freeze my joint checking account I had with my parents and the Estate account because no payment had been made on the loan and two checks came through the account. I am the survivor of the joint account which should not have been frozen Mr. XXXX 's portion of {$1200.00} had been transferred to the estate account, the estate account has only been opened less than two weeks and should have no been frozen preventing business of the estate, there are only two assets one with possible equity that will satisfy debt to creditors after sale but I have not been given the six months to determine the condition of the estate in order to protect the assets from foreclosure and repossession I made a payment to each to keep out of the ninety day window for foreclosure and  repossession as I feel they had the highest priority to protect and Bank OZK has tried to make themselves a higher priority than support to the family, funeral cost and expenses of administration without warning and had been spoken with multiple times, I have not gathered and collected all assets and the ones I have I must protect, insure and manage, they are not the only creditor owed and I feel they took advantage of me knowing what they were going to do after I opened the estate account where my parents banked for years, all other creditors are working with me and giving me the time allowed by law to determine if there is enough cash and assets to pay them, Bank OZK should not have prioritized themselves and gave no warning I would like all funds returned to both accounts and unfrozen so I can continue with my responsibilities of the estate.
Product: Student loan

I applied for state job at the post office and was asked to provide a fee for applying and to submit application. The information returned voided. XX/XX/2021. I did not receive the fee after applying to the job nor any official email. I found out this was not the actual company that was intended for me to apply.
Product: Debt collection

I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.
Product: Debt collection

In the process of refinancing my home and title company receives a demand for payment from M. Richard Epps , P.C . in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court XXXX system and its for a case where the " lien '' garnishment was released after Chapter XXXX was filed. They misrepresented information sent to XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER XXXX HIGHEST BALANCE {$660.00} CREDITOR INFO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX LAST REPORTED 4 days ago ORIGINAL CREDITOR XXXX XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory 1. I have called on XXXX ( XXXX ) separate occasions within the last 60 days to dispute the above report. 
2. This particular collection, however has been removed before only to return again.

3. Transunion is the reporting agency.

4. I telephoned TransunionXXXX  dispute number and on both occasions disputed this debt in its entirety. The debt is not mine. I have no knowledge of it nor did I visit the emergency room during this time period in any case.
Product: Credit reporting or other personal consumer reports

Experian is showing a credit report online from XX/XX/2023. I have made several calls to dispute old information and request for an updated credit report online to date my credit report has not been updated
Product: Checking or savings account

On XX/XX/XXXX, I logged in to my American Express High Yield Savings Account ( HYSA ) via the URL personalsavings.americanexpress.com, with the intention of changing the password. 

I have a credit card with them also. These 2 accounts have entirely different usernames and passwords. If I log in to the credit card account via URL americanexpress.com, because it's " linked '' to the HYSA, I can access the HYSA account there too. 

The issue is that when logged into the HYSA directly, I could not change the password. So I called for support, and they initiated a change to the credit card account password, which was successful. I explained this is not what I'm trying to do, rather, to change password on the HYSA direct logon, which was not available online, and not complete. 

Turns out that American Express is in process of modifying their online interfaces in a way that PRECLUDES a password change on the HYSA. Yet I can still log into it with old credentials, see the balances, and download transaction history. Furthermore, I asked about when the transition work would be complete to resolve this issue, but no estimated date could be provided. 

American Express represented to me that because I could not initiate transactions via the direct HYSA login, it's not a security issue. I disagree. I charge that American Express is improperly handling credentials related to HYSAs by disabling ability to change a working password.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I received an email from Google Wallet informing me that my account had been closed due to violation of the terms of agreement. Google Wallet said my account was not listed as Individual despite my account page listing me as an Individual. There was a form to submit my banking information to return any balance. I did not want to blindly submit my banking information, as Google Wallet already had this information, so I went onto the Google Wallet app and attempted to withdraw the remaining balance of {$7100.00}. This transfer failed so I called the Google Wallet Support number I found online. I had used their app to request a call several times, but each attempt was redirected elsewhere. The Support representative told me my transfer was denied because I had requested such a large amount and had never taken money out before. This was untrue as I had withdrawn money from this app several times and have the screenshots to prove it. She told me she needed to speak to someone in Accounts and would put me on hold briefly. I asked her why my account had been closed since I was not in violation as they claimed. She was unable to give me an answer. She told me that she could do no more and that someone from Accounts would email me in 24 hours. I asked to speak to someone in Accounts and she said that I was not allowed. I waited the 24 hours until XXXX XXXX, XXXX and no email came. I sent an email to Support again asking why no one had contacted me regarding my account. Again I did not receive an email. XXXX XXXX, XXXX I attempted a chat with a representative named XXXX XXXX ( I have screenshots of our entire conversation ) I again asked why my account had been closed and why I could not be refunded the money in my account. The representative again said that they needed to speak with the specialists. Again I was told that my account was closed and could not be activated except by the Accounts team. The representative told me that I would absolutely get an email in 24 hours. I told them that I had seen many complaints from other Google Wallet users that had their accounts abruptly closed and did not get their money back for months, after a long struggle with Google Wallet. At that point I was very concerned because I can not access money that belongs to me and I have bills, etc. The Support chat representative assured me that they would be looking into it right away. Today is XXXX XXXX, XXXX. It has been over 24 hours since the chat and I still have no reply from Google. This is a large sum of money and I do not have any  reply from them as to why they closed my account or why I can not be refunded my money. I am hoping that involving the CFPB in this situation will help me to get my money back and warn other users that this company does not act in good faith. I have attached some screenshots from the chat and the original email from Google Wallet regarding my account being closed. I have more screenshots of the chat and account information if needed.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 
Identity Theft TARGET/TD Account Number : XXXX This is not mine.
Product: Credit card

On XX/XX/2024 at approximately XXXX XXXX XXXX XXXX, I called the customer service # for Wells Fargo re : my Wells Fargo XXXX XXXX  XXXX XXXX credit card ending in XXXX. I spoke with XXXX and explained that my statement should show a XXXX balance. 

I explained that I had a small credit balance for a while and after making a purchase for the exact amount of the credit so it would zero out, they are sending me a statement that shows I now OWE Wells Fargo the same amount. 

The person who said his name was XXXX, repeated over and over, I understand, but you have to pay the balance. He said since Wells Fargo sent you a check for the credit, you have to pay. I asked him to fix it because I have not received, nor will his records show that I cashed or deposited any check, and he became more rude, belligerent, loud and unprofessional. After making me angry with his impatient redundancy and typical canned response, I tried to reason with him. But, I owe Wells Fargo nothing! He kept saying to me, the customer, that I have to make the payment and that's just how it is! 

All I'm asking for is Wells Fargo to XXXX  out the balance of this credit card, as I owe them nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 or other personal consumer reports

I have asked 9 times verbally over the phone and three times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and my family.
Product: Consumer Loan

Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware
Product: Credit reporting or other personal consumer reports

This credit card with First Progress was a secured credit card I closed this account and paid this account off and now your company First Progress is reporting this account as a charge-off which is false information that is being reported on my credit report.