23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am once again reach out to yet file another complaint with the CFPB against XXXX because the keep saying that the information on my account is correct, and it isn't. I have been dealing with this since XXXX and they always come back with the same answer which is everything is verified. I find it very funny that they stamp and address on their forms that I have printed off and it's an address that I haven't lived at since XXXX. I have made many attempts to resolve this with XXXX and have even spent money and personal time. Hours upon hours trying to fix these issues. XXXX has been no help at all! I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my XXXX report it shows that XX/XX/XXXX CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX CAPITAL ONE XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ran my credit it and it shows up on my credit report. I have filed a dispute with XXXX, and they replied with the information on my credit report is valid. When in fact it is not valid, and I am a victim of fraud. XX/XX/XXXX CAPITAL ONE/WALMART PREQCARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX XXXX Automated XXXX Interview System XX/XX/XXXX CAPITAL ONE XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX  XXXX UP Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!
Product: Student loan

In the XXXX of 2016 my payment unexpectedly doubled. The payment had been roughy {$60.00} for as long as I can remember. When I contacted Navient for an explanation they said they did a " routine '' analysis of my loan and realized it needed to reamoetized to keep it on schedule. This means that my loan has been amortizing wrong for an unknown amount of time. Which means I would have not been paying down principal at a pace which would have resulted in me paying an unknown amount of extra interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX    XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

About XXXX  days ago a mass scam text message was sent to most, if not all, Gemini account holders. I have screenshots from social media to back up everything I'm saying. The scam text was the result of a Gemini hack about XXXX yrs ago that I have never been informed of. 
Gemini has not addressed this mass scam text. When their customers contacted Gemini because it's clear our info was part of a hack Gemini 's response was to freeze our accounts and make it impossible to gain access. 
This is a common technique among crypto exchanges - freeze people 's accounts and then never give them back access so they lose all their crypto. 
It would not surprise me in the least if Gemini DID send that text as a way to then go and freeze everyone 's account who contacted them about it. 
This is typical XXXX  crypto behavior that the government must rein in! 
I had to answer a bunch of questions from Gemini, change my password, and take a pic of myself holding my drivers license and a piece of paper with the date and a " special code '' on it. This is XXXX. 
My account was NEVER compromised - and if it was it's because of Gemini - there are no unauthorized logins, no crypto is gone. Yet Gemini is making me out as a criminal who must jump through endless hops! 
Literally, every day they tell me to complete a new task- it's like they think this a a scavenger hunt. XXXX XXXX! 
The last email tells me to download some tech I have no idea what it is, or how to use it. 
I'm not doing that. 
All I did was report a mass scam text that so many others reported too and are now locked out of their accounts - again - did Gemini send this scam text intentionally because they're about to have to pay out tons of money for a huge other scam they were involved in??? 
The feds have got to do something about these criminals- now! 
I want my account unfrozen immediately. 
If I miss any deposits Gemini will be responsible because this is absolutely them acting in XXXX XXXX and most likely they did this to steal people 's money by freezing their accounts. 
The government must look into this immediately as it was a mass scam text and numerous people reported it and had their accounts locked for simply reporting the text. 
I will be writing to the DOJ in DC to also let them know what Gemini is doing and that this is probably another fraudulent scam to try and cover the bills for their other fraudulent scam. 
I have also filed with the FTC and will be calling the SEC tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 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

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and US Bank on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Product: Credit reporting

purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit
Product: Credit reporting or other personal consumer reports

There is information on my consumer reports from XXXX, TransUnion and XXXX that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : Authorized Agent : XXXX, XXXX.
Product: Mortgage

In XXXX of XXXX I was having a hard time with my mortgage payments. I decided to contact my mortgage to see if I would qualify for a loan modification. I sent in my paper work in and followed the program making payments on my mortgage mean while still being reported as late payments went from XX/XX/XXXX till XX/XX/XXXX low and behold was approved with a lower payment. I kept making my payments for XXXX, XXXX and XXXX of XXXX. Then in XXXX of XXXX I received a letter from the mortgage company saying my escrow was short by {$4600.00} and I needed to pay it or my payments would be going back up. I contacted the mortgage company asking them how this happen after just going through a loan modification and Escow being set up when I closed on my home. They said that my taxes went up and insurance. I contacted the city of where I live and they said they did not go up that much and didn't understand such a huge negative. I was in disbelief at this point and did not know what to do. I did not just have {$4600.00} sitting around to give them. So I became delinquent with my payments. I reached out in XXXX of XXXX to see if they could redo my loan modification because of what happen they denied me and said I had to wait another two years before reapplying. I am at a complete loss right now and do not know what else to do to keep my home. I feel this company was very sneaky in what they did which they did not include taxes that they knew would becoming due and just want me out of my home. They certainly had all the information needed to do the loan modification back in XXXX and failed to include the now delinquent escrow amount coming due in XX/XX/XXXX. I deserve an answer and to keep my home because of them messing up my loan modification. Please help!
Product: Debt collection

Equifax continues to report fraudulent and inaccurate information on my report. According to the FCRA i have the right to dispute incomplete and inaccurate information. Also according 15 USC 1681 ( b ) ( a ) ( 2 ) any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer it relates. i never gave written instructions for this item to appear on my consumer report. Please block and remove it. 

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

I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

l see some withdrawals that l didnt make for the total of XXXX dollars and l just want my money for l know for sure l didnt make those withdrawals
Product: Debt collection

This is in regard to the amount of {$1000.00}. My husband upgraded his cell phone & got new accessories. When he & I separated I called XXXX to confirm what I would need to do since the account was in my name. I was told on XX/XX/XXXX that I would need to call back with my husband on the phone to transfer responsibility & create his account. We called back the same day. We were not aware of any issues at that time. 
Following XX/XX/XXXX, I spoke to a number of representatives & was transferred to management to get the device & accessories off of my acct & moved to my husband 's account. After XXXX  months of calling & being told that the balance would be transferred, I was told that the balance would need to be forced transferred but would need to be escalated to a higher manager, all the while I was being billed for the monthly fee for the phone & accessories which I paid. I was given a 1-time credit as a courtesy in XXXX. The last conversation I had with the company was on XX/XX/XXXX of XXXX. I assumed the balance was finally transferred until recently, XXXX of XXXX when the balance was put on my XXXX credit report. I take pride in making sure I take care of what I owe but this is not my debt & I was assured that this would be handled. I work in customer service & if I tell a patient/customer that I will do something than I stand by that. It has taken XXXX XXXX years to let me know this was not taken care of, definitely not ok. This is very unprofessional & I hope that the company will honor what was told to me, that I would NOT be responsible for this debt!!
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : ChexSystems Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -
Product: Credit reporting or other personal consumer reports

I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt. 

XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX I send Experian a affidavit, FTC form , a copy of my social security card and copy of my id
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called JC penny to pay off the balance of {$71.00}. I notified them I lost my job due to COVID-19 and that I was waiting for my unemployment check to arrive. I told JCpenny the financial hardship and I couldnt afford to keep the account open. 
I recieved a letter from synchrony bank that is somehow affiliated with Jcpennys credit  system stating they just now closed my account as of XXXX XXXX because synchrony bank ran my credit and determined my credit wasnt worthy, had my credit score on the letter. I payed my balance off with jc penny and had no intention to use this card any longer on XX/XX/2020 due to covid. They ran my credit without permission.
Product: Debt collection

Capital One Auto finance - XXXX - is trying to collect and report a negative debt to my credit but it has been paid some time ago. They are reporting erroneously
Product: Bank account or service

Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. 

According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. 

If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. 

This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX / XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX  and XXXX  showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Transunion is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and transunion refuses to remove it. And still stated that XXXX  XXXX  verified as accurate in XXXX. How is that possible when the dispute came from their company on my behalf? You have also not shown proof of how it was verified and what documentation was used. Transunion is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.