23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a card with Ulta Beauty for over 3 years. It has had a credit limit of {$500.00} for the past 3 years. My card was compromised at the end of 2023. I called in to get everything corrected. Since then my credit has gone from {$500.00} to {$150.00} with no reasoning. I am on time with my payments and don't use the card that often. I called in to have this explained to me, and the supervisor said he can't do anything and I need to fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the XXXX to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his XXXX. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Product: Checking or savings account

I filed a dispute with them and they wont give me my money back because someone stole it out of my account because my phone had got lost
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts from XXXX XXXX XXXX XXXX that are reporting on my credit profile that I know aren't mine. XXXX and XXXX removed the accounts because the found the accounts to be invalid, I tried to do the same for Experian but they are still reporting the accounts on my profile. I sent a letter to them certified mail requesting they review my profile on XX/XX/2020 and to this day I have not received not one single update. It's been over 30 days and not one update on this account being removed. I have the certified letter receipt to show that they received and signed off they received my letter on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Google Pay Mobile Wallet. 

Google rolled out its new Google Pay App in XX/XX/2020 and it is a nightmare. I received some money from my friend on XX/XX/2020 and would like to transfer the balance to my external bank account. The transaction got declined. I reached out to customer service and soon had a callback. The representative understood my problem but could only create a ticket and told me that a specialist will contact me in 24 hours.

I received an e-mail notification telling me that the problem has been resolved and I will need to wait for another 24 hours before my Google Pay account can be fully functional. I tried again on XXXX but the problem still existed. I reached out to Google again and was told to wait for 24 hours to be contacted and followed by an E-mail saying the problem was resolved.

After another 48-hour wait, I tried again and still can not transfer out my balance. I contacted Google again and found myself still trapped in the same loop. Wait for 24 hours to be reached and another 24 hours for Google Pay service to be normal. It turns out that Google continues to lie to their customer. They unlawfully hold my money and block me from accessing it. 

Some of my friends also have the same problem accessing their funds. During my third call with Google, I learned from one of their senior specialists that there might be some system glitches. I believe Google should not roll out its new Google Pay at the beginning if they knew the system is not ready. This is totally not acceptable. 

Today is XX/XX/2020 and after my third attempt. I completely lose my patience with Google Pay and decide to file a complaint against Google.

Here are the case numbers I got from Google : XXXX, XXXX, XXXX. They said they have fixed the issue in each of them but apparently, they made zero progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account.

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, I corresponded with Self at their address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, regarding unauthorized charges on my account. Specifically, there were two transactions, one from XXXX XXXX for {$40.00} and another from XXXX for {$480.00}. Despite my repeated attempts to address these unauthorized charges through written communication, Self has failed to respond or initiate a dispute resolution process. 

This lack of response not only violates my rights under the Electronic Fund Transfer Act ( EFTA ), Regulation E, and the Fair Credit Billing Act ( FCBA ) but also puts me at risk of incurring late payment penalties due to Self 's internal policy requiring disputes to be handled over the phone rather than in writing. Both the EFTA and Regulation E explicitly grant me the statutory right to dispute transactions in writing. 

As a result of Self 's negligence, I now have a late payment reported on my credit report, which could have long-term consequences for my financial well-being. I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against Self, including penalties, to ensure that they adhere to the laws and regulations designed to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues negatively impact my credit! 
Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

Genesis company keeps calling me with varying phone numbers. They have called repeatedly every month and its an automated call saying to contact a representative press star or contact XXXX XXXX. I have tried to research the company or the website to see what they are talking about and all I can find is that they are a housing apartment complex creditors based out of Washington state which I have never lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXX XXXX with a balance of {$1700.00} and XXXX XXXX XXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.
Product: Credit reporting or other personal consumer reports

I don't have any affiliation with these people. don't know them never met them, their reporting a debt to my credit account about fee for apartments for them that I never applied for reached out them multiple times about correcting this with all three credit agencies. this is stopping me from getting funds needed to run my XXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information being reported on my credit reports. On my credit reports, I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible. Also, there is a discrepancy of " Date Opened '' from XXXX.
Product: Debt collection

I am writing to formally dispute the account reported by Southwest Credit Systems on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to ensure that all information reported about me is accurate, complete, and verifiable. 

I believe this account is inaccurate and may not comply with federal or state consumer protection laws. I request that you investigate this matter and provide documentation to validate the account in compliance with 15 U.S.C. 1681s-2. If the account can not be fully validated as accurate and legally enforceable, I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX  I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries 1 of 2 please remove this from my credit report
Product: Mortgage

We completed a modification in XXXX due to Hurricane Irma with the first payment due XX/XX/2018. I contacted the servicer Pacific union financial as the recoverable corporate advances had never been satisfied. They stated that it could take a little longer. I allowed some time but now the amount was going up. I had not been late at any time. I kept being told someone will call you. I finally got a young lady on the phone and she advised that they forgot to cover the recording fees for the mod and so they had to charge me for it now. Understandable to be charged but annoyed it was taken care of as was originally explained to me. I then explained that it started at XXXX then went to XXXX then to XXXX back down to XXXX and back up to XXXX and now reflects XXXX. I requested explanation of this as it does not make sense with what she said and requested an accounting of the charges and how funds were applied. I was told that I was disputing and to write in. I cant dispute what I don't know and need help to get this information and possible correction if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to dispute an old address that I never lived at and experian refuses to delete this particular address XXXX XXXX XXXX in XXXX Il XXXX XXXX XXXX XXXX, Il I have never lived there yet it appears on my report snd when I dispute it its not being addressed when I checked my membership with experian they claim there having technical difficulties and you never see the result but on XXXX XXXX I screen shot there deletion which I never got a updated letter by the address I have on file Ill upload there deletion that they took back Please help
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable 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
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report tonight, and I'm at a loss as to how they got there. When I checked as I usually do, I was shocked to see discrepancies that hadn't been there before. Refreshing my browser didn't change anything, and the unauthorized inquiries remained. I urgently request that the documents I've provided be carefully reviewed so I can put this worry behind me.
Product: Credit reporting or other personal consumer reports

Misreported tenant data to third party websites show me as the person in which judgement was against for the properties with XXXX XXXX XXXX. 

It shows XXXX properties with judgments against me. 

These were not Personal Guaranteed this was a business debt. 
I'm not who the judgement is against, the business is! 

I've been denied for multiple apartments because of this. 
Attached is proof of the fact they were business debts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Debt collection

Commercial Acceptance continues to report a debt to the credit bureaus which is not my debt, greatly affecting my reputation and credit score. 

The date the collection opened was XX/XX/XXXX and the debt is in the amount of {$980.00}. The Original creditor is XXXX XXXX XXXX. 

This debt was proven not to be mine and removed by all 3 bureaus in XX/XX/XXXX. 

Commercial Acceptance continues to report it and the debt has now re-appeared on my XXXX report as of XX/XX/XXXX. 

I contacted the original creditor and was presented with information which proves this is not my debt. This all was forward to the bureaus as well as Commercial Acceptance with the demand that they cease reporting a debt which is not mine. 

The name with the Original creditor on said debt is not my name. 
The social security number on said debt with the original creditor is not my social security number. 
I did not receive an ambulance ride in XXXX NY in XXXX of XXXX. 

This is not my debt, yet Commercial Acceptance continues to report this debt to the bureaus.
Product: Debt collection

I am a military unit commander. On XXXX XX/XX/2019, I received a complaint from XXXX XXXX XXXX that a member of my unit failed to pay an amount owed. I receive these letters, containing private financial information, on a regular basis. This is a blatant violation of the law and is still allowed due to DOD Financial Management Regulation Volume 7A, Paragraph 430505, as stated in their letters. 

Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : 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