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

LVNV Funding- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, XXXX, or the collections agency. This account needs to be removed based on my rights via the FCRA.
Product: Debt collection

I received a letter from the collection agency, National Credit Systems, 6 months after my family and I moved out of XXXX XXXX XXXX  on XX/XX/XXXX. 
They charged us in the amount of {$600.00} for cleaning 3 bedrooms, and damages. My wife and I own our own cleaning business, we made sure the whole house was spotless, the {$150.00} was unnecessary for cleaning and I have pictures to prove. 
Sheetrock Repair ( {$250.00} ) : this was caused from water leakage in the kitchen, and the maintenance crew at XXXX XXXX XXXX took too long to come and fix the leak. 
Also, in my contract from XXXX I had a security deposit of {$300.00}, and my renewal contract after that the security deposit went down to {$170.00}. I am unsure what happened to the {$120.00}, and when I asked the Property Manager she said she would look in to it, and never got back with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported incorrect information to the credit bureau XXXX 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when affirm reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect XXXX XXXX. 

My XXXX XXXX  score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to Affirm reporting a XXXX $ debt. It shows the status of my affirm account as good standing. 

There is inaccurate and inappropriate reporting going on between Affirm and XXXX.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was alerted that Synchrony Bank made a hard inquiry which reduced my XXXX credit score by two points. Note that I have not recently either applied for credit nor have I requested a credit line increase with Synchrony Bank. I contacted their Customer Service Unit and they were either unable or unwilling to address the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent factual disputes to Experian concerning these accounts. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Yet accounts are still being reported inaccurately. I have tried using their upload documents feature to send information. There is no way a real person is looking at these unverified accounts. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I am a victim of this i have rights and they should not continue to be violated. 
Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

There is a attached copy of A copy of my Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I have unauthorized inquiries and accounts and addresses 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 XXXX XXXX XXXX
Product: Checking or savings account

Hancock Whitney will not let me close my account. I called to do so and they said I first had to transfer the money out of my account. I connected my other checking account ( XXXX ) to my Hancock Whitney account and then tried to initiate a transfer. The Hancock Whitney platform does not allow me to initiate a transfer. I tried to do the transfer through XXXX, but XXXX told me the transfer was blocked because my Hancock Whitney account was frozen. Hancock Whitney 's online banking platform says nothing about this, and their phone line has " been down '' when I have tried to call them. They are charging monthly fees for non-use. 

Separately, they have also charged me monthly fees for non-use with NO NOTICE for months.
Product: Credit card or prepaid card

In XX/XX/XXXX, XXXX  XXXX opened a credit card from Capital one and assigned her daughter, XXXX XXXX as an authorized user. XXXX defaulted on her payment and as a result, the Capital One reported a claim on XX/XX/XXXX. XXXX XXXX, now at the age of XXXX is applying for a Mortgage loan and came to the dismay that the credit card her mom opened and defaulted on is affecting her credit today. XXXX XXXX would like to request the removal of the Capital One Credit Card due to only being an authorized user at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX WellsFargo Bank misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason WellsFargo ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.
Product: Credit card

I am writing to file a formal complaint against Discover regarding their failure to provide me with a 1099-C form for a debt that they charged off. Despite my repeated requests, Discover has refused to provide me with the necessary tax document for the account they reported as charged off on XX/XX/year>. This failure to issue the required 1099-C form is hindering my ability to properly address my tax obligations and comply with IRS regulations concerning canceled debts. 

Additionally, Discover continues to inaccurately report my account as late on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605. This inaccurate reporting is misleading and damaging to my credit, as it misrepresents the actual status of my account after the charge-off. 

I have made numerous attempts to resolve this issue directly with Discover, but they have failed to provide the necessary documentation or correct the errors in their reporting. As such, I am seeking your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to dispute the items in my credit file which impacted by incorrect credit information. Again, Im sending over a new Identity Theft ReporXXXX XXXX XXXX XXXX XXXX. Pursuant of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX ) you are required to remove any items in my file that resulted from a mistaken credit reporting, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : EXPERIAN : 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 Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} 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 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 Please note that you have XXXX business days to REMOVE the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Money transfer, virtual currency, or money service

Some unknown entity stole {$7400.00} from my Coinbase account. 
They have informed me that coinbase takes no responsibility for this theft. 

I have contacted coinbase and their response is : We understand that unauthorized activity in your account can be quite distressing. 
Coinbase can not cancel, reverse, or recover these funds on your behalf thus we can not provide any possible reimbursements for loss incurred. 

I have had an account with them since XXXX and like coinbase I do all my banking and financial transactions online. None of my other accounts have been compromised, none of my devices, soccial media accounts or my email have been compromised. 
Only the coinbase account has been hacked. 

My last log in to coinbase was XXXX to just check the current balance. That is when I noticed all the money except for XXXX dollars was gone. I have not made any trades or any other activity for at least a year. 

To the best of my knowledge none of my passwords or any other authentication methods have been compromised. 

Coinbase Case # XXXX Amount stolen : {$7400.00} I did not make this transaction : Timestamp - XXXX Transaction Type - Send Asset- ETH Quantity - XXXX Spot price - USD Spot Price - XXXX Sent to XXXX I checked all my devices and they are all up to date. I did not see any suspicious activity. After that I chaned all my passwords.
Product: Debt collection

I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXX Status : XX/XX/XXXX paid. 
Im XXXX  to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be XXXX to see this I would like this hard inquiry removed I see no use of it on my credit report
Product: Money transfer, virtual currency, or money service

PayPal has had my money, {$1600.00}, transacted on XX/XX/XXXX at XXXX XXXX EDT and electronically transferred from my bank to PayPal on XX/XX/XXXX in order to complete a transaction PayPal informed me would be completed on XXXX XXXX for XXXX XXXX tickets for the XX/XX/XXXX game. The payment never reached the seller ( still hasn't as of today, XX/XX/XXXX at XXXX ). Today, PayPal ( manager named XXXX ) informed me they didn't have to complete the transaction until XX/XX/XXXX now. PayPal has the money and is profiting off my " interest free loan '' at my expense. The money will need to be transferred back to me since the tickets were never sent to me. However, PayPal refuses. Please investigate PayPal 's abuse of holding people 's money many days after they receive it and advertised completed transaction in order to increase their " banking '' profits with " interest free loans '' from customers without their agreement and at the customers ' expense.

Of note, the seller and I have repeatedly called PayPal to cancel the transaction but PayPal states it is not possible ... can only go through a process after the money is sent to the seller ... now expected 10 days from initial transaction and 7 days since money sent to PayPal by my bank, XXXX XXXX XXXX XXXX! 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Product: Vehicle loan or lease

i was purchasing this vehicle from carmax financing and the dash said XXXX miles but i noticed later when i was trying to trade the car out within the time to swap was up and they told me i couldnt switch car because i was over the required miles by XXXX carmax stated on paper i bought the car at XXXX and by them doing so i was not able to switch to the car i really wanted. they also stated the car was in no accidents but it was broken glass inside the door panel and the paint on the passanger side was not original. i turned the car in and its saying its been repo 'd and it has damaged my credit scored
Product: Credit card or prepaid card

I have a couple of credit cards with 13 % or around that interest but US Bank charging me for last couple of years 21 % with no reason. Currently I have a XXXX credit score. I think that they simply stealing my money specially now where prime interest is so low. 
I called customer service and they refuse to lower interest. Credit card ends XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX dealership. They unauthorized contacted XXXX XXXX, Capital one auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.
Product: Debt collection

never received notice that the debt was owed in the amount of {$12000.00} from MEDICAL DATA SYSTEMS the mark was added to my credit reports without any notification I was notified by XXXX ALERTS, didn't have any communication prior to that sent a debt validation request to the collection agency they sent back medical records with my personal health information and the amount owed which is a violation of the HIPPA LAW federal law prevents third party agencies to share personal records or health information to anyone without that person consent my PHI was also shared with the three major reporting bureaus
Product: Mortgage

I asked the mortgage servicing company many times to pay the property taxes and was now due on XX/XX/XXXX and they have refused to act on it. I am incurring late fees and penalties with my municipality.
Product: Checking or savings account

On XX/XX/2020, all my accounts were closed for no reason per Bank of America and, so they state that they have a right to close an account for no reason, I do not agree to that I've had my account opened with them for many years and never had an issue, I had a friend that asked me to do the favor of accepting to have his unemployment check deposited to my account of which I authorized and the bank automatically flagged it as fraud, My friend does have all his proper documents to show proof that he is entitled to that money, as I had mentioned to the rep at Bank Of America, not only that my grandmothers funds were also taken wrongfully and its her only base of income, every time I call it's a different excuse and I can't get a straight answer or speak to someone directly who can give me a time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reported unauthorized transactions that occurred on my debit card which was saved in my XXXX XXXX to Charles Schwab Bank on XXXX. These unauthorized transactions were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stole access to my phone and charged my debit card to add cash to my XXXX XXXX XXXX with XXXXXXXX XXXX XXXX which they then used to send cash to themselves. All of these charges were unauthorized. 

XXXX XXXX  was the most uncooperative when asked for more information about the unauthorized transactions. XXXXXXXX XXXXXXXX  did not cooperate with any of my questions about how much was transferred, whether they can share bank statements, call logs of my notifying them & the relevant XXXX departments of the fraudulent transactions or where the cash was sent. Schwab Bank conducted an investigation and concluded that the charges were not unauthorized. I've sent Schwab Bank police reports, email notifications of my personal information being changed on my accounts, and evidence of my other financial accounts being hacked and they still will not acknowledge the transactions were unauthorized. 

This is the claim number with the Fraud Investigations Department at Charles Schwab bank : XXXX
Product: Credit card

Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.