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

To whom this may concern : An agreement was entered into court and approved by a judge saying that I XXXX, XXXX XXXX am not responsible and not to be penalized for this account due to responsibility and liability being completely on XXXX  XXXX. This document was signed and agreed and verbiage is stated is in our settlement agreement. XXXXXXXX XXXX is refusing to remove this account. XXXX XXXX and I were legally separated and divorced when this late payment took place. This account has been paid off and closed and they are being evil and will not remove this account. Legal proceedings are being filed
Product: Debt collection

This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRIDENT ASSET MANAGEMENT would verify the debt. So I took it upon myself to ask TRIDENT ASSET MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

It is listed on credit report false I make payment on account and continues to state false and late payments on crust report, never received notice of transferring info to credit report and In accordance with the fair credit reporting act privacy, this creditor has violated my rights under 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose Information : account name : CREDIT ACCEPTANCE CORPORATION Account number : XXXX Account type : auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding a account by the name of XXXX XXXX Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021 I had a chargeback with Binance.US. that resulted in my account being locked. After several failed attempts to transfer the money to my account I attempted to contact customer support. I never received a response from customer support. Finally on XX/XX/XXXX I was able to complete a transfer from a separate payment source for the amount of the chargeback. The payment was accepted and the chargeback was processed and settled. Looking into FAQ I found the guidance from Binance.US stating that 5 days after a chargeback is settled your account would be restored to full privileges. It is XXXX now, well passed the 5 day period, and my account is still locked. I have attempted to contact customer support several times and I have not received any contact back. The last helpdesk ticket was sent on XX/XX/2021 with me reaching out again on XX/XX/2021 inquiring about an update. 

I have attached screenshots of the payment that was mailed and showing the chargeback processed. I have also attached recent screenshots showing my account is still frozen. As well as screenshots from Binance.US FAQ guidance on account restoration and the email traffic regarding my final helpdesk ticket and my inquiring for an update. 

Thank you. 

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

Collection agency : XXXX XXXX XXXX Experience and XXXX  are continuing to allow the reporting of the above account but I have told them that the collection agency has not provided the bill of sale or the assignment to prove they have the right to collect. XXXX only sent me a bill. They still have not shown me how they acquired the rights to the account. Experian and XXXX are in violation of the fair debt collection practices act.
Product: Credit reporting

This account was deleted from my one of the credit reporting agencies that I filed the dispute with because it could not be validated but yet it stills remains on my Experian credit report and it was deleted from my XXXX and XXXX because they could not validate the debt. I will like this investigated and for this account to be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 there was a {$500.00} transaction into an unknown account from my Venmo account. Basically everything I had in the account. Ive disputed this transaction and it got denied. Ive talked to an online agent who reopened the dispute and never heard anything back. Now an online agent cant tell me anything about this and the account specialist team to email will not return my emails. 
The money transferred out of my account was to a XXXX XXXX unknown account. I told them I do not even have a XXXX XXXX account and the name must not match my name. I didnt make the transaction and I was sleeping at the time ( XXXX XXXX on XX/XX/XXXX ). I can not get any person on the phone or anyone to talk to online or through email, on my Venmo account it just says dispute resolved. Unfortunately it definitely has not been resolved.
Product: Credit reporting or other personal consumer reports

I have tried on multiple occasions to dispute negative accounts and collection accounts and to validate those accounts with no positive outcome. I dont believe the reporting agency is fully investigating these disputes required by law.

15 U.S.C 1681b Permissible purposes of consumer reports.

To report a debt account without written instructions to do so is a violation of my consumer rights. Its compelled extortion via constructive fraud, resulting in the deprivation of rights, slander, defamation of character and economic compulsion.
Product: Money transfer, virtual currency, or money service

I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on July 3rd. Due to other fraudulent activity i was told to file a separate claim for the XXXX  transactions which i did on july 19 and was given the provisional credit. On july 21st i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Student loan

I have called the loan servicer on several occasions with an average wait time of about 3.5 hours. The first time they shuffled me around, transferred me, and eventually put me on hold again for another hour. Needless to say, I didnt get the issue resolved. The second time I called, I was told that my auto pay was just fine and there wont be any penalties with my missed payments. Flash forward XXXX months and my auto pay has still NOT worked, and now I can not make a payment on the website or by phone due to an error code. As Im writing this, I have been on the phone with customer service for XXXX and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT
Product: Checking or savings account

Local branch of KeyBank closed in XXXX XXXX, Ohio in XXXX and was inconvenient to me to travel to the next closest branch and I wanted to consolidated multiple different bank accounts. Withdrew all my fund out in XXXX and proceeded to close my savings ( XXXX ), however checking could not be close due to a the pending transfer of fund out. Returned 5 days later after pending transfers finalized to close my checking account at the XXXX XXXX branch. I thought my checking account was closed following that visit. I proceeded to shred my debit card and check pad. 

Last week, 2 months after I thought it was closed, I received notification it was still open and now overdrawn due to monthly service fees. I went to the XXXX XXXX branch on Sat XX/XX/30. The representative at that time was able to cancel the XXXX service fee but not the XXXX. Today with no resolution seen, I called Keybank but the representative over the phone was unable to waive the maintenance fee or close the account.
Product: Money transfer, virtual currency, or money service

I received a 1099-k from Block, Inc.https : //cash.app with XXXX of payment card transactions when I dont have a cash app account and never had a cash app account
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted experian on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. Experian is the only credit company that has not remove this from my credit report stating that it is accurate.
Product: Debt collection

Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This grumbling to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Product: Credit card or prepaid card

On XX/XX/2022 COMPLAINT ID XXXX was issued by Consumer Financial Protection Bureau ( CFPB ). Since then, I have been working with Citi Cards to resolve the billing disputes. There are 3 billing disputes with the XXXX XXXX XXXX. 

On XX/XX/2022 Citi Card Case XXXX was resolved for the amount {$420.00} and {$420.00} was made to permanent credit to my Citi Card ending in XXXX. 

On XX/XX/2022 Citi Card dispute resolution team uploaded documents to my online Citi Card account for two other cases for XXXX XXXX XXXX Citi Card Case XXXX for {$610.00} and Citi Card Case XXXX for {$500.00}. The document that has been uploaded for Citi Card Case XXXX for {$500.00} is the wrong document. The document belongs to Citi Card Case XXXX for {$610.00}. In short, Citi card has uploaded the same document twice for two separate Citi Card cases. 

I have informed Citi Card to remove this wrong document for Citi Card Case XXXX from my online account and email me the right document. But thus far Cit Card has not removed the wrong document from my online account and also again emailed me today the wrong document for Citi Card Case XXXX. 

Citi Card continues to promise me that they will provide me with the correct merchant response for Citi Card Case XXXX but thus far has been unable. Without providing me with proper merchant response Citi Card put the charge back to my account. 

Please instruct Citi Card to provide proper merchant response for Citi Card Case XXXX. Until the merchant response is provided to me, till then {$500.00} should be removed from my Citi Credit Card account ending in XXXX. 

Thank You.
Product: Debt or credit management

On XX/XX/year>, I received the itemized statement regarding the matter from the company. It stated the following : The documentation states : 33 payments of $ XXXX {$11000.00} 7 payments of $ XXXX {$1400.00} 1 payment of $ XXXX {$350.00} 1 payment stated Fee of {$20.00} For a total of {$12000.00} The account has been satisfied and the company should submit a refund for the overpaid amount of {$750.00} as of XXXX. 
$ XXXX XXXX {$750.00} The company continues to withdraw {$200.00} each month from my account after I have made them aware of this three times via email on XX/XX/XXXX and XX/XX/XXXX. No response from the manager XXXX XXXX regarding why they are still charging my checking account. The company continues to send me emails each month, which emails expire preventing me from logging back in to the previous month.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX 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 the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} 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 or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Now XXXX XXXX XXXX XXXX XXXX XXXX was bought out by XXXX XXXX. 
XXXX report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
XXXX XXXX ( Auto Lease ) XXXX report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/2025. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capita l One Auto f inance pulled my credit  three  times in      XXXX   XXXX   2016.   I  did apply to refinance my truck loan in    XXXX    2016 but, I do not understand why my credit was pulled three times? Fo  r the same loan. I have disputed these with all   XXXX  cr edit agencies and with in 24 hours I am   being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  Capital one de clined me for a credit line increase on my credit card because I had too many inquiries.          XXXX  :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016    XXXX   :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016   XXXX  :  XX/XX/16 ,  XX/XX/16 ,  XX/XX/16
Product: Debt collection

This account was charged off during a national disaster and should not have been charged off being this account purchase was involved in an auto accident and GAP protection was held up due to covid 19 and this result on my credit report is damaging on my credit. 
Also to include.. I am Writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

suntrust shows XXXX % utilization when its not been that way for a long time
Product: Prepaid card

I am getting mad about cash app and the advertisements I kept getting on my email account and messenger I got hacked on XXXX email account and it starting again ppl saying they buying cash tags and cash app accounts I think they should have to do something else instead of continuous emails it's aggravating annoying and stressful
Product: Mortgage

Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.
Product: Credit card

I balance of my credit card has been over paid. The credit card comp will not refund the credit balance on my account. Ive made ever attempt to resolve this issue since XXXX. This issue remains unresolved.