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

This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on XXXX XXXX it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with XXXX for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
Product: Checking or savings account

An overdraft charge for XX/XX/2019. 

I saw no shortage of funds or a negative amount on my account when this overdraft payment occurred. I was told that the overdraft occurred when PNC did their there processing. In the past, when overdrafts occurred, they were shown on the account immediately. 

I check my account once or twice a day. All funds that are deposited in my account are from PNC Merchant Services, ( which are available for use the following day, except weekends, because the clearing house does not release them until Monday morning ), a monthly pension, ( that is direct deposited for immediate use ) and cash. Once in awhile I may deposit something else. 

If PNC is closed on weekends and my funds are there in my account when they open, why am I charged for over drafts?
Product: Money transfer, virtual currency, or money service

To start, I used their platform to send {$510.00} USD using cryptocurrency on XX/XX/2023, USDC exactly, to my personal wallet. This transaction NEVER got to me even though I fulfilled all the required details. After doing so, the transaction showed up as " completed '', which to the user means that all the information was provided correctly. 

After I did so, they stated that the money should be arriving over the next minutes. It didn't, and until today XX/XX/XXXX, it still didn't show up. I filed a complaint with their Customer Support, where they told me that there was a piece of information missing to complete the transaction. If this field was required, then the transaction should not have been able to be completed. But they didn't require it when I started the transaction. I consider this a scam. 

Then, they promised to help me, while I stated my desperation due to the loss of my entire salary, I had to pay my rent and buy some food. I live alone with my brother and we both depend on that bi-monthly money. 

So I had to contract debt. I did so, while they stated that " I should wait around 20 days to see the funds on my account ''. After this, the company stopped answering my requests for action, they do not provide any information, and they only say " please wait ''. I can't wait anymore. I send messages to them everyday, and they don't answer or if they do, they ignore my questions and demands. 

This is a XXXX dollar company. And I lost my {$510.00} USD, which is nothing for them but it is everything to me. I need help here, I can't keep waiting. 

I want everyone to know what a fraud this is and what kind of damage they made to me. I had to CONTRACT DEBT because they decided to steal my legitimately-owned salary only so I can still live in my house. 

I don't have the resources to fight this company on the court. So I beg for help. I will cooperate fully, all I want and need is the totally of my funds back in my wallet so I can now pay the debts they FORCED me to contract. THEY SHOULD BE PAYING THAT DEBT, NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I do not recognize. I would like them removed as soon as possible.
Product: Debt collection

I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and Transunion is violating 15 USC 1681 ( K ) my right to privacy by reporting a public record chapter XXXX Bankrutcy. I would like this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

- - ______XXXX  XXXX XXXX XXXX XXXX _____ XXXX XXXX VA XXXX - date : XX/XX/2020 _____FORMAL Complaint about Experian the credit bureau and its involved decision makers to stop and cease their retaliation, discrimination and abuse against an American Taxpayer - -. 
on XX/XX/2020 and as of today XX/XX/2020 Experian blocked me from accessing my free annual credit report by adding restrictive discriminatory condition against me specifically. i have many proofs that support the fact that I was subjected again to retaliatory adverse actions from Experian. -- -- -- -- -Experian is the only credit bureau allowing and participating in causing the damage of my financial reputation. Experian is causing me severe emotional distress. Experian impeded my ability to review my credit report and therefore anything negative in my report with any damages that caused against me is the full legal responsibility and liability of Experian. 
-- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - there is no excuse to justify that restriction ( the website called it condition by Experian only ) put in place by Experian against me. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- Experian and its involved decision makers must stop their retaliation and they must pay huge legal consequences for their illegal acts against an American taxpayer XXXX XXXX. " CFPB '' shall investigate Experian ' unlawful practices reported to " CFPB '' several times in the past 4 years until now. -As a reference Experian credit report XXXX was one from previous year before year 2020 which had several incorrect information that Experian insisted to  keep it in my file within this credit bureau named Experian . Experian intent to damage my financial reputation is a fact proven by the fact of the damages already Experian caused against mu person. - Please note : Experian response or non-response to this legal complaint will be used against Experian and its involved decision makers at any time and in a court of law. -. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX and/or his legal representative if any and without waiving his rights under any circumstances. digitally Signed and Filed today XX/XX/2020 within CFPB by XXXX XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that Experian and XXXX XXXX XXXX have no shame and are clearly illiterate. Experian 's initial response XXXX Report number XXXX XXXX to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from Experian. 

Even if XXXX XXXX certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic circle XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

After looking over my consumer report I've noticed that LVNV FUNDING LLC is reporting a collection account that I am not aware of. I reached out to the creditor asking. them to provide verification documents which includes signed contracts & agreements, written consent from me giving them the permission to obtain and share my personal information, and proof of date of first delinquency. They never provided this information to me which violates 15 U.S. Code 1692g - Validation of debts. I am aware that I have a right of privacy and by them obtaining and sharing my personal information without my consent they violated 15 U.S. Code 6801 - Protection of nonpublic personal information and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. After refusing to pay this alleged debt that I am unaware of, I asked the creditor to cease all communications with me which by definition of communications, reporting this debt to my consumer report is a form of communication in which they failed to do so. I am also asking that the credit reporting agency properly verify the information listed in my dispute letter and if they can not provide the provided documents asked then they must remove the account immediately in accordance of 115 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Credit reporting or other personal consumer reports

I requested that Experian correct the balance they have listed for an old XXXX XXXX account of mine. They have conducted numerous " investgations '' that consist of calling XXXX XXXX and taking their word for it. I am unable to send supporting documentation because Experian 's site is always experiencing " temporary technical difficulties '' ... almost by design. 

I find it extremely convenient that their website is a steaming pile of XXXX that is utterly unusable and they have no customer service to speak of. 

I would like my information corrected as the false information on my report has an adverse impact on my credit and ability to rent/obtain loans, etc. 

Please fix this.
Product: Debt collection

The City of XXXX XXXX provided an ambulance ride and billed it to my health care provider incorrectly and they denied payment, this is a municipal agency that used tax dollars to pay their employees and should not initiate collections as they are compensated by taxes for service. They turned it over to Arbor Professional Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the supposed balance due of {$580.00} and they in turn filed a collections notice on my clean credit report and did it without trying to collect from my health insurance ( which deductible has been met and should pay ) and also without waiting the required 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.
Product: Debt collection

Equifax was submitted information and court documents involving XXXX XXXX XXXX fraudulent claim of debt owed to the XXXX XXXX XXXX in the amount of {$7600.00}. When contacted on results of the dispute Equifax verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. Equifax then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX XXXX XXXX was in litigation with me over the matter and on XX/XX/ I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.
Product: Credit card

SYNCB.have report inaccurate information to credit bureaus in violation Of FCRA, damaging my ability to obtain credit, the Cfpb have the obligation to investigations THE SYNCB IN VIOLATIONS OF MY CONSTCONSTRUCTIONAL RIGHTS MY SOCIAL SECURITY # XXXX TO LOCATED AL XXXX ACCOUNTS, XXXX, WALMART, TOYURUST, AND CANCELED MY INSURANCE BECAUSE I BELIEVE IM XXXX, IN VIOLATION OF ADA
Product: Vehicle loan or lease

I called KIA Finance to correct the improper reporting. They said I was 4 months late XXXX, XXXX, XXXX and XXXX on my payments which was a lie. My payment was {$600.00} I sent {$1000.00} every month to pay {$390.00} on the principal. Then I paid {$10000.00} in XXXX because I wanted it off my credit by XXXX. They not only made me lose a mortgage, they made me lose {$100.00} to the inspection company for canceling the inspection at the last minute. My credit was PERFECT with this company. NEVER LATE EVER!
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reflecting a negative impact due to unpaid balance. This was for a Bloomingdales account that I never opened. I began disputing the charges but nothing ever happened. I then began contacting Bloomingdales directly and filed to have an investigation opened. The outcome of the investigation showed that there was no fraud found and that I would be liable for the charges. I then had the investigation reopened and filed a police report as well. I have to wait weeks until a copy of the report will be sent to me so that then I can submit it to Bloomingdales fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX at around XXXX p.m. my Found Business Banking debit card was used at XXXX for the amount of {$530.00}. I realize this happened minutes later and within XXXX hours I had reported it to the bank. I tried to get them on the phone they did not answer so I was forced to report it online. This was on a Friday I did not get any response from them so I reached out and over the course of the next XXXX weeks try to contact them several times before I finally got a response saying that my dispute had been rejected because a pin had been used during the transaction. This is impossible for XXXX reasons number XXXX being that I've never given anyone my PIN. Secondly, anytime I have used this card it has never asked me for a pin it has always automatically gone through as credit. After doing some research online I have discovered this has been an ongoing problem with this bank and these " debit '' cards for at least 3 years. I have tried by every means possible to get back in contact with found bank so that they could provide me with any information about the steps they took in this investigation as well as the information that was provided to them that a pin was used. I know the exact store time amount and even the register number at the store of this transaction. I have also contacted XXXX who has a XXXX liability policy which states that as long as I have used reasonable protection of my card, which I have, and I reported it immediately, which I did, I am not liable for this transaction and the bank needs to refund my money. I have tried several times with XXXX on a three-way call to get through to found the bank to know avail. My card should not have been able to have been used without my pin and I am owed my money back.
Product: Mortgage

On or about XX/XX/2017, Western Ohio Mortgage XXXX ( " XXXX '' ) denied my new construction/mortgage loan application as evidenced by sending me a Notice of Withdrawn application stating, " File incomplete '' as a pretense for discrimination. In fact, XXXX previously had received all required and necessary documents to process said loan within 45 days or less. On information and belief, I believe that I was treated differently based on my race, color, sex, marital status, age, and other forbidden factors when I applied for a new construction mortgage loan with XXXX. For example, XXXX refused to consider my reliable income from full-time employments as both an XXXX XXXX and XXXX   XXXX XXXX. XXXX rejected my new construction mortgage loan application because of my race, color, sex, marital status, age, and other forbidden factors. XXXX also imposed different terms or conditions on the new construction mortgage loan application as evidenced by accusing me of being a XXXX XXXX based on my race, color, sex, marital status, age, and other forbidden factors because I made a cash land purchase for {$40000.00}. XXXX required a co-signer after I had received the pre-approved letter and met all its requirements. XXXX rejected my new construction mortgage loan application after 45 days of submission of my completed loan application and caused a {$3000.00} increase in building price after XX/XX/2017. XXXX failed to tell me the specific reason it rejected my loan. XXXX caused me to pay {$450.00} for the property appraisal.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries related to this breach. 
Fraudulent Accounts : XXXX XXXX XXXX Date : XXXX Amount : {$00.00} XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount : {$410.00} XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount : {$660.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Heres a rewritten version of your paragraph for clarity and professionalism : -- - I applied for the AMEX Business Green Card based on its advertisement of having no preset spending limit. However, I later discovered that this claim is misleading. The card operates on an averaging system that sets limits based on spending history, which was confusing and not clearly explained. I initially believed the card allowed unlimited spending, but that is not the case. The terminology used by AMEX, as well as their explanation of how the system works, is extremely unclear. For instance, despite recently paying {$2400.00} on a balance exceeding {$13000.00}, a transaction at a gas station made by one of my employees was declined. I would appreciate straightforward and transparent communication to understand exactly what Im agreeing to when using their services. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX