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

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX was a lease and I paid this lease off and on time. The {$3500.00} that XXXX added to my account was not about the lease, but disputed with XXXX over wear and tear to the vehicle and not terms of credit. This item was disputed in XX/XX/XXXX. I requested to dispute this item again and was denied by Experian. The amount showing is incorrect and was incorrectly reported by XXXX. 
XXXX XXXX was removed and readded on XXXX/XXXX/XXXX to my report after no status was shown since XX/XX/XXXX. Account was disputed because XXXX was reporting inaccurate utilities owed. 
XXXX XXXX was not my mortgage company and is showing on my credit report as a foreclosure. My mortgage company was XXXX XXXX and I have tried in XX/XX/XXXX to get this updated and the wrong mortgage company removed from Experian. Experian refuse to remove this from my record. 

Credit inquiries : XXXX, XXXX XXXX and XXXX XXXX XXXX were not initiated by me, and there is no way to dispute this on Experian on-line dispute.
Product: Debt collection

I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.
Product: Credit card or prepaid card

This complaint is against the XXXX XXXX ( hereafter referred to as XXXX XXXX regarding a rent payment to XXXX XXXX XXXX XXXX ( hereafter referred to as XXXX ) that I was already off the lease with when the payment occurred. I believe it is an unauthorized payment that XXXX is unwilling to dispute / revert for me. 

On XX/XX/2022, XXXX 's property manager, a new tenant, and I signed a " Change in Roommate Amendment '' for me to transfer the lease out to the new tenant. Clause 4 of it explicitly stated that It is agreed that XXXX XXXX ( vacating resident 's name ( s ) ) ( hereinafter " Vacating Resident ( s ) '' ), shall be released of all responsibility under the Lease as of XX/XX/2022 ( attachment 1 ). 

On XX/XX/2022, in preparation for my move-out, I paid the remaining balance of {$200.00} with XXXX to XXXX ( attachment 2 ), and then changed my home address on XXXX rent payment setup from XXXX to a new address. On XXXX app, it states that my new landlord isnt currently set up to accept the XXXX XXXX directly without fees, and offered several options to set up, so I assume this is sufficient to cancel the rent payment to XXXX. 

On XX/XX/2022, I received a payment overdue email from XXXX. This is when I realized XXXX had failed to terminate my account and associate the apartment unit with the new tenants account. To avoid any payment, I canceled all autopay setup and deleted all my bank accounts from XXXX account ( attachment 3 and 4 ). 

However, on XX/XX/2022, I received an email from XXXX saying that my rent payment was submitted for an amount of {$1800.00}, which matches the overdue amount ( attachment 5 ). 

I called XXXX customer service immediately. The agent told me that since I have been paying for the same landlord with XXXX since XXXX, if the landlord manually charges me on my XXXX card, XXXX  will authorize it, and the only thing I can do is to ask for the money back from XXXX ( attachment XXXX ). 

I dont believe this is how credit cards should practice. I have done everything I could ( except for closing this credit card ) to prevent the payment that I am not responsible for from happening, by changing my payment setup address on XXXX canceling autopayment, and deleting all bank account information. All these are clear instructions that this rent payment is not authorized. Further, after providing all the details during the customer service call, the agents argument sounds to me like since youve been paying them, we will help you to pay them if they ask for it, even if you dont agree.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditor violated my rights under XXXX XXXX XXXX XXXX a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor BMG money INC This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX  XXXX bank Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX has been deleted from my report but its still showing on my account. this is a violation and needs to be taken care off
Product: Debt collection

I have a collection account on XXXX credit report from a collection agency named Persolve Legal Group, account number XXXX. Please be advised that I am disputing these collections due to Persolve Legal Group at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX does not currently have a valid license in my state of Florida to collect on debts. 

Per the Florida Office of Financial Regulation, their license is currently expired. 

I request you investigate this matter and delete this account from my credit file immediately or provide me with physical proof they are licensed to collect debts in Florida.
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account with Suntrust for the specific purpose of transferring funds from XXXX, the selling app, where I sell face masks that I sew myself. Since the pandemic I have donated over XXXX masks to Nurses and first responders, I sell masks to cover my expenses. 

On XX/XX/XXXX my first deposit was made, and between XXXX XXXX deposits were made into the suntrust account. 1 deposit of {$50.00} was from my checking account with another bank, which I used to open the account. The other 13 deposits were from XXXX. When my funds cleared from a sale on the app, I immediately transferred the funds. 

In total, I have {$500.00} in the Suntrust checking account. 

For 10 days I was unable to access the account online, it prompted me to reset my password multiple times. On XX/XX/XXXX I received a welcome letter from Suntrust with checks for my account. I have not received any other communication from Suntrust. 

On XX/XX/XXXX I called Suntrust for help with accessing my online account. They told me my account was being closed for suspected fraud due to an investigation and report from another past banking institution that I used years prior. They told me my funds were being held for a minimum of 30 days. 

I told them this was unacceptable. I am very upset. I need this money to recover my expenses from sewing face masks and pay my daycare provider on Monday for the upcoming month. They allowed me to open an account and had no communication in the 9 days my account was open regarding this issue or investigation. All I have done is deposit money from the Selling app from the sale of face masks. 

After escalating to a supervisor he gave me an address in TN where I could mail a complaint. They were no help. 

My issue is that they could have easily seen an issue in my past banking history ( 2+ years prior ) when approving me for an account. There is no money owed to any banking institution. Instead, they allowed me to open an account and make $ XXXX deposits in a 9 day period with no communication on a potential issue. I had to seek them out to get an answer on how to access my funds and am now am being told I have to wait at least 30 days to access my funds. 

I havent done anything wrong and will be unable to pay my daycare provider on Monday which means I will have no care for my child and will be unable to go to work. 

I want my money ASAP as I am being punished by a bank for their own oversight. 

See attachments for screen shots of my XXXX sellers account and the direct deposits sent to Suntrust from this account. Please remove my seller account photos from the report that you publish.
Product: Debt collection

I received a credit notification of this company called CAPIO PARTNERS and XXXX  XXXX as the original biller for the total amount of {$4600.00}. I know this total to be incorrect, so I contacted XXXX  XXXX, which is now XXXX, and they confirmed the balance I have is {$2600.00} and it is not in collections because its for recent procedures that occurred in XXXX - XXXX and are still waiting on insurance processing. I contacted Capio and explained to them what XXXX told me and they refuse to send me proof of what they are billing. They are on all 3 credit reports of mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number ****1571. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit card or prepaid card

Capital One Case Number : XXXX Transaction date : XX/XX/2021 Disputed amount : {$81.00} I have a scam transaction but Capital One denied my dispute. 

I won a {$100.00} XXXX gift card for {$81.00} on ebay. I received gift card code and pin number on a printout paper. I did not receive the physical original gift card. On XX/XX/2021, I checked the balance, it has {$0.00}. The seller stated she would investigate this issue, but never hear back from her again. I disputed the {$81.00} transaction with Capital One. I submitted many evidences to Capital One, including conversations between the seller and me, my XXXX orders history to prove that I did not redeem the card, gift card code and pin number, payment receipt, gift card {$0.00} balance screenshot. Capital One denied my dispute. Capital One ridiculous asked me to provide the seller/scammers cancellation policy and purchase receipt. They also ridiculous requested a second opinion letter, from any third-party company, which must be an original letter and on the third-party companys letterhead. I tried many companies. No company is willing to do such letter as would involve legal issue. As my searches online, if buyer gets a previously-owned card with no value, these are scams. I am a victim of scam. Capital One refuses to protect me. Capital One violates Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

AAFES/MILITARY STAR and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AAFES/MILITARY STAR ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( AAFES/MILITARY STAR ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By AAFES/MILITARY STAR reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that AAFES/MILITARY STAR submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to AAFES/MILITARY STAR to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Money transfer, virtual currency, or money service

I am filling a complaint against XXXX XXXX  ( Block , Inc ) XXXX due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically l, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Today is my payday and I have not received my money in my Capital one checking account. I was notified on yesterday that the problem should be fixed by Friday morning and as of XXXX today Friday, I still do not have my funds.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received a call from Wells Fargo XXXX about unusual activity regarding my checking account XXXX. The person asked me about 2 transactions that were attempted in XXXX Texas. I told her that I had made no such transactions and she noted that Wells Fargo had caught both and flagged as fraud. 


She noted Wells Fargo needed to verify my identity and asked a question which I answered. She then said she needed to send me a text. She did and I gave her the 6 digits. Quickly without my permission and completely unauthorized attempted to make two wire transfers. Additionally, she requested a 6 digit code again and a text came through noting an attempt to wire funds. I hung the phone immediately and called the Wells Fargo number on the back of my debit card. I was adamant for the representative to move quickly now ... .now to stop these unauthorized insanity from happening. This representative asked me the same questions and his verification text were Identical to what this previous call requested. IDENTICAL!!!!! {$23000.00} and {$1900.00} wires were initiated and UNAUTHORIZED. 
{$1900.00} was stopped but {$23000.00} was not. I have been crushed financially by this and all Wells Fargo says is either call back later in week or even NEXT week. Shocking behavior from a Bank ... .from WELLS FARGO.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was notified ( via XXXX ) that my TransUnion credit score had dropped suddenly by XXXX points, from XXXX to XXXX. I confirmed this by downloading my full credit report and credit score from TransUnion on the same date. For context, I have never made a late or missed payment in my life, which my credit report reflects, and there had been no changes to my credit report at all in the preceding months that would substantiate such a huge drop. Also for context, my XXXX credit score, which had also been XXXX, remains XXXX with no such drop. In other words, this is a clear error that is isolated to TransUnion, and does not reflect my actual credit history. I want resolution by having TransUnion restore my credit score to XXXX. 

Also on XX/XX/year>, I contacted TransUnion 's customer service telephone line to ask why my credit score had dropped and resolve the issue. After waiting on hold for nearly 30 minutes, I spoke with a customer service rep who accessed my credit report. He remarked that nothing in my credit report should have led to such a drop, and agreed to send the matter to " escalations '' to be investigated and resolved. He told me to expect a call back within three business days.

I had still not heard back from TransUnion after waiting four business days. On XX/XX/year> I called TransUnion 's customer service line again. After waiting on hold for about half an hour once again I spoke to a different customer service rep. He explained that I had not received a call from " escalations '' because the previous rep had failed to save a callback phone number for me. This is ridiculous because I have a TransUnion personal account which contains my contact information which they could have accessed to reach me ; additionally, both reps confirmed both my phone number and email address at the beginning of both calls. I told the rep that this situation was unacceptable, and that I expected " escalations '' to resolve the issue by restoring my credit score or I would file a complaint with the Consumer Financial Protection Bureau. The rep only agreed to once again push the matter to escalations, whom he assured me would call me back within another three business days. Three business days have now passed, and I have heard nothing back from TransUnion. 

Because there have been no changes to my credit report, the XXXX point drop in my credit score that TransUnion imposed upon me is totally unjustified and a clear error on their part. I want TransUnion to restore my credit score to the XXXX that it was and rightfully should be. Further, TransUnion 's customer service is totally unacceptable, with unreasonably long wait times and an apparent refusal to call customers back after having committed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

For the past 6 years XXXX XXXX has repeatedly reported a loan on my credit report that I never applied for much less received. After years of fighting them, them removing it only to add it a few months later, and countless complaints to you and other agencies they agreed to remove the account from my report and told me to let the collection agency know. I contacted the collection agency who immediately opened an investigation. Both companies promised to take it off my report but Experian is refusing to do it stating that XXXX XXXX has reported the account as accurate even though I sent the emails from both companies stating they have requested removal. I contacted XXXX XXXX and they said this was not true, that Experian never contacted them. 

For the past 40 years of me having credit Experian has fixed an inaccurate report once even when I showed proof unless I threatened to sue and had an attorney speak with them. I can not afford an attorney now or even consultation and they know it. I am tired of them allowing illegal activities to be done at my expense.
Product: Credit card or prepaid card

I mailed in a letter XX/XX/2020 asking Comentiy Bank to remove late payments posted on my Victoria secrets account for the following months : XXXX and XXXX of 2020. I was affected by Covid-19 and where unable to make on time payments, due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX OF XXXX XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have gone over what I have seen on my recent credit report on Equifax. 

I have a lot of soft inquiries I do not recognize at all.
Product: Mortgage

This is in response to the comments submitted by Ditech regarding a previous complaint I filed. There are several discrepancies regarding my modification request. First, the information regarding XXXX XXXX making modification decisions is in correct. I am including the facts from XXXX XXXX in my comments. Second, there is a comment about me having a delinquent water bill that is incorrect because the only accounts including in my mortgage are taxes and insurance premiums. Third, as the servicing agency, Ditech claims it was not award of FHA alternatives to foreclosure including special forbearance and partial claim. I received information from both of these from FHA and contacted Ditech by phone as email regarding these options. The modification process used by Ditech is the most confusing process I have ever experienced. All I wanted after regaining employment was the opportunity to get my mortgage current and it has become a nightmare that may force me into bankruptcy to keep my house. I have continued paying after my 90 day trial and I still received a letter about foreclosing. I sent Ditech 's response to FHA and XXXX XXXX because my situation was not handled right.