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

I opened a XXXX XXXX  credit card and then COVID hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to XXXX XXXX XXXX with a TON of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to XXXX XXXXXXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for w pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to XXXX, Experian and XXXX  requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Checking or savings account

on XX/XX/year> I was awarded XXXX XXXX XXXXXXXX XXXX  and issued a check by the Federal Reserve for the amount of {$46000.00}. I received this check and attempted to open a bank account with Citizens Bank. I was unable to open an account there initially, as I did not have valid photo identification that was not expired. It took approx. a month to gather documents and get my license. On XX/XX/XXXX, I was finally able to open an account with Citizen Bank. I was strongly encouraged to set up Direct Deposit with Social Security as well, which I did. I deposited my Federal Reserve issued check of {$46000.00} for which I have a receipt. I was told that I would a ) see my funds by the end of that week, or the beginning of next, the dates being XX/XX/XXXX and XX/XX/XXXX respectively, and b ) that {$220.00} would be released the following day, XX/XX/XXXX. I did see the {$220.00} released, and spent it accordingly. After checking my app every day and seeing no activity, on Wednesday, XX/XX/XXXX I called the Corporate Headquarters for Citizens Bank and spoke to a woman named XXXX. She was unable to help, in spite of trying extremely hard, and was only able to tell me the check was being verified. The next day, XX/XX/XXXX, I saw an overdraft fee for {$220.00}. I went into the bank branch, and spoke to the Branch Manager, XXXX XXXX, and my personal banker, XXXX XXXX XXXX. I explained that I had spoken to corporate and could get no answers. After waiting in the lobby while they made mysterious phone calls I was not privy to, I was told again, it's being verified. They would give no more information, except that they were told my funds would not be released until XX/XX/year>. I was also told that my overdraft fees would be waived. Upon returning home, I found a letter from Citizen 's bank dated XX/XX/year>, indicating there is a delay in releasing my funds because " the issuing bank did not verify funds '' and that it would then be released on XX/XX/XXXX, the date I received the letter. The following morning I called the Federal Reserve and was told that they had released the funds, totaling {$46000.00} on XX/XX/XXXX, the date the letter was sent. I went into the bank again, and XXXX again told me it is being verified. Today, XX/XX/XXXX, I discovered my XXXX 's Social Security direct deposit has not only arrived but been cleared- while my initial check STILL has not. They have stolen my money and I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY REPORTING FRAUD ACCOUNT ON CREDIT FILE WITH ALL CRA. THIS IS NOT MINE AND, AND I HAVE NEVER DONE BUSINESS WITH CLIENT/ COMPANY, FRAUD AFFIDAVIT FILED WITH FTC CASE # XXXX ID FRAUD, SAME ACCOUNT DATA REPORTED 3X WITH 3 DIFFERENT COMPANIES DEMANDING SAME PAYMENT OF {$280.00}. COMPANY VIOLATED " FDCPA, FCBA AND FCRA '' Account Number:XXXX-XXXX-XXXX
Product: Debt collection

On XXXX/XXXX/203, I received a letter from Avante offering me a one-time payment when they never sent me a letter to inform me of this alleged debt. I sent them a certified letter dated XX/XX/2023 requesting debt validation, and it shows that it was delivered to someone on XX/XX/2023. 
XXXX XXXX number : XXXX On XX/XX/2023, I received a notification from my credit monitoring service showing that Avante has added this new account on my report which tanked my score and negatively affecting my good name. I never received any document from them validating this alleged debt. 

I demand that this account be closed, not resold, and deleted from my credit report.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$77.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through Wells Fargo. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LoanCare is reporting inaccurate information to all 3 CRAs. Ive called LoanCare and all 3 CRAs requesting that the information being furnished is updated or deleted. LoanCare was my mortgagor and the loan was sold to my current mortgage company.
Product: Checking or savings account

My Direct Express card from social security XXXX deposits, was scammed {$680.00} and the bank at direct express says they are not refunding my money? XX/XX/year> I called spectrum to pay my bill, gave them my card number etc and they stated I owed all this money? I said oh no I don't! And I said No I am only paying XXXX which I only owed ..the man on other end of phone laughed at me and said yes you do! I told man I will go online and pay my {$19.00} bill instead and I hung up..an hour later XXXX was taken off my card in 4 different transactions..I called Direct express right away, they wanted verification from Spectrum saying that money was not owed XXXXso, spectrum internet sent me 6 months worth of statements showing that money was never owed nor was it ever receivedXXXX and still they won't give me a refund ..this was a person pretending to be spectrum and I was scammed
Product: Credit reporting or other personal consumer reports

I am writing to request clarification and information regarding an account associated with my name. This is not a dispute, but rather a formal inquiry to obtain specific details. Please provide the following information : The Date of First Delinquency : Please confirm the date on which the account first became delinquent. 
The Date of Last Payment : Kindly provide the date of the last payment made on the account. 
The Date of Charge-Off : If applicable, please include the date when the account was charged off. 
For your reference, my account information is as follows : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your assistance in providing this information.
Product: Credit reporting or other personal consumer reports

FIRST CFPB COMPLAINT MESSAGE TYPE IN : This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Debt collection

Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Checking or savings account

Laurel Road/ Key Bank locked my account because I tried to transfer my funds out of the checking account ( Case # XXXX ). I was unable to access my account and they told me that my account is under review for fraud. They asked me to upload documents regarding my external account through email on XX/XX/XXXX, which I provided. They left a voicemail a few days later, and I called back asking for information on the review process. They said that it is still under review. 

On XX/XX/XXXX, I got a letter saying that my account had been closed and that my funds would be sent through a physical check. However, on XX/XX/XXXX, they sent another email asking for the same information to continue their review? This got me confused since I thought my account was closed. I provided the same information. However, now when I try to login, it only says error, not that my account is under review. 

I called both Laurel Road first and then Key Bank on XX/XX/XXXX to get this resolved. 

For Laurel Road, they said that the account is still under review, not closed! Again, they asked me for clarification for the 3rd time now. I explained and they told me to wait for update on the review process. 

I called KeyBank since they are the one issuing the letter saying that my account was closed. They say that the account is still under review and can't find in their system that there was a letter sent saying that my account is closed. They said that they requested information from Laurel Road but they haven't received anything back. They stated that I should contact Laurel Road! 

Now I am stuck in between this process for more than 1 month. My funds of around {$5000.00} are locked and both banks don't know what the next steps are for me but to just wait. I have been waiting for more than 1 month. I still can't believe that a bank can hold your funds this long. I looked up online and apparently, this happens a lot with Laurel Road. People are warning to not open account with them. Other than that, I also opened the CFPB website and there are a bunch of people on the same case as I do as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reported to Equifax that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX XXXX XXXX XXXXa and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforrm, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

XXXX, XXXX and Equifax has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed.

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.
Product: Credit reporting or other personal consumer reports

The company sent stall letters in response to all the disputes I submitted, despite the fact that I provided all the necessary information required to initiate the dispute on my behalf. Additionally, I signed the letter notifying them that it originated from me.