23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is XX/XX/XXXX. Day 3 of my inability to access my joint account information on line. Marcus Goldman Sachs staff continue to assure me that they will fix the problem and call me back when they do. They do not fix and they do not call. I am unable to view or transact in my account on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT IDENTOTY THEFT IS MORONS, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the Equifax data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Vehicle loan or lease

I called Carmax auto Finance to defer payment account due to unadequate cost disclosures and hardship. Without assuring accurate disclosures of lease terms my account was locked. The only way to access the account was to reset it and acknowledge terms I'm unsure of and definitely don't agree to.This inaccurate and unfair treatment and this has happen numerous of times, being treated in this manner. 

I had a pleasure of speaking to XXXX : XXXXXXXX XXXX XXXXXXXX asking her to defer payment and the meaning and accurate disclosures of the terms in how it was promoted to me. She began to tell me how Carmax Auto Finance policy and also telling me more things about how my account was never updated a year because they took XXXX payments out my account in XXXX month then locked my account and said it was because of declined payment. My financial institution blocked it because of suspicious activity. She said we was unable to help me with my account and couldn't help me. 

This is unethical and unfair XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This past week, Accurate Background of XXXX, CA incorrectly reported a sex offender charge on my background check results to a prospective employer. Job offer letter accepted and signed last week with this employer ; we were awaiting results of background check. 

This inaccuracy has ( and still is ) resulting in loss of pay while I dispute these results with Accurate Background. To date, I have not received the background check results. Prospective employer only contacted me via phone to inform me that this charge means I can not work for company until resolved. 

I have a video recording of my completion and submittal of the initial background check form that I had to complete. Form never asked for items such as previous residences or if any former names had been used in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 
JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately. 
JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately
Product: Credit reporting or other personal consumer reports

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to XXXX  in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them XXXX. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017 {$1.00} Wrong information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXXXXXX XXXX Number : XXXX Account : XXXXXXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : AcceptanceNow Number : XXXX Account XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX Account : XXXX  Number : XXXX Account XXXX XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXXber : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX  Number : XXXX Account : XXXX  Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX
Product: Debt collection

Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.
Product: Credit card or prepaid card

Original purchase made in XXXX, when I signed up for said credit card. Never received said card in order to make online account to make payments. Sent the company an email about not receiving it, to which they did not respond. 

I called the company and was told if I made the payment that day, which I did, I would be at a zero balance ( in XXXX of 2022 ). Have had to waste time in calling this credit card company, every month, because I receive further late fees and balances even after being told I was paid in full. 

Called again XX/XX/2022 and was told the account was paid in full. I then asked to have the account closed as well. I am now being charged additional late fees, every month, on an account that was paid in full, XX/XX/2022. 

Called the company today, XX/XX/2022, and was told it's being sent to collections and they can not remove the fees, even though I've been informed twice it was either a {$0.00} balance or paid in full. 

***Attached screenshot from original email complaining I never initially received the credit card that was applied for.
Product: Student loan

I had applied for the student loan with a financial advisor through the school. However I took the loan out because I was told that the program I was signing up for was a certification program. I specifically said I need an XXXX certification I was told Id get certified. I also was very clear that I wanted to become a XXXX XXXX So I did the process for the loan and started school. Close to 2 months before externship I started asking questions about our final exam and if that was how we would receive our certification I was told no you get a diploma of completion. I raised on concerned with the staff but was told sorry you were misinformed and it was misleading information. Then it came close to externship and I expressed again I wanted to go to a site that offers medical coding. I was told they dont offer sites for that and cant send me to one. I said how coming the program is medical billing and coding and I cant go experience for coding they said I have to be certified I said how can I be certified if you dont certify anyone they said they only offer medical billing sites. 
I wouldnt have taken this big loan out had I known that I couldnt get a certification in medical coding I wouldnt have taken this loan out had I known they dont off sites for medical coding. The whole process was rushed and I feel as I was mislead and given false information just so they can show numbers or meet a quota to get me into the program quickly.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/2024, XX/XX/2024 ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/2024 and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of Quality Acceptance LLC. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from Quality Acceptance LLC.

Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
Product: Money transfers

There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX 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 Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. After reviewing my credit report, I noticed an inquiry from [ Creditor 's Name ] that I do not recognize and did not authorize. 

Details of the disputed inquiry : Creditor/Company Name : XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  XXXX of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry XXXX XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I did not authorize this inquiry, and I believe it to be either a mistake or a case of identity theft. As such, I kindly request that you investigate this matter and remove the disputed inquiry from my credit report. 

To assist with your investigation, I have enclosed any supporting documentation related to my dispute, including a copy of my credit report showing the inquiry in question. Please notify me in writing once the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

ChexSystems reports to banks and credit unions that there is a security freeze on file. I have removed my fraud alerts from every company involved. Also I never had a freeze with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont have a freeze with ChexSystems but fail to realize that credit unions and bank say otherwise.
Product: Money transfer, virtual currency, or money service

I am unable change the location of direct deposit of my USAA annuity because USAA will not give me instructions. There are no instructions on the website. I spent two hours on the phone with reps XXXX XXXX, XXXX XXXX, and XXXX, and was never able to get instructions how to change the location of direct deposit of my USAA annuity. XXXX gave me instructions how to link my credit union to USAA but did not give me instructions how to change the location of direct deposit on my USAA annuity. 
USAA can not use corona as an excuse for the slow service because their service has been slow for 13 years and why I closed my account with USAA 13 years ago. I would cash out the USAA Annuity and be done with USAA for eternity but the contract does not allow cash out. Please help me to get USAA to do their job and give me complete correct instructions how to change the location of direct deposit of my USAA annuity. Thank you!
Product: Debt collection

Genesis credit has a account opened with XXXX XXXX for the amount of {$7600.00} which got report XX/XX/year>, I was never sent a contract of this debt and I was never acknowledged it just popped up on my credit report, I reached out to get information on their fraud dispute department and sent information and sent supporting documents XXXX, they have not confirmed the documents or moved forward with the information and my credit file is locked due to identity fraud already, I have dealt with this creditor before with another account I paid for with a different merchant and always was sent a contract but this time no contract was sent, I never opened an account here and these charges are outrageous, they have been extremely rude and are refusing to remove off of my credit report
Product: Debt collection

I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX