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

most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXXXXXX XXXX  and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated 15 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX my identity was stolen from me it is defamation to my character on how my report is showing 4 repossessions and other listed accounts that i didn't authorized. I am requesting an removal immediately. I never opened the account and i am asking these accounts be removed from my report.
Product: Debt collection

To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks XXXX XXXX
Product: Student loan

I am not certain how I ended up servicing my loan through XXXX XXXX XXXX   however it has been a nightmare ever since. I consolidated my loans with XXXX XXXX XXXX a few years ago. My monthly required payment never made sense to me and how it was calculated. I called countless times over the years getting different representatives each time and the information provided was never consistent. I sought out repayment assistance many of times however there was never a resolution to my problem. As a full time working woman with countless other necessary living expenses I struggled to make the minimum required payment. Sometimes I would make two payments in one month of what I could which was better than nothing. Due to the fluctuation in my monthly payment and being advised I was on the lowest repayment plan my account apparently started to go in to a missed or late payment status. This later hit my credit report which was my first notification as I have worked extremely hard on my credit rating the past few years to be disturbed and find out it was all for nothing. My credit dropped over 100 points due to this. I attempted to appeal it with the US Dept. of Education however I was contacted by XXXX XXXX XXXX instead. I filled a formal complaint and was denied. Cited in the correspondence received from XXXX XXXX XXXX it was stated that they attempted to contact me by phone and mail however neither were ever received. I truly believe this is bad faith/ bad practice and I should not suffer these consequences due to their bad faith. I am now financially in an extremely difficult situation as I need to move and replace my vehicle and can not do either due to the hit on my credit report from XXXX XXXX XXXX. This has created a lot of issues for me financially. I do not feel that if I spent another 30 minutes on the phone going back and fourth with customer service that it would do any good as there are never changes to my account or monthly installment after help is sought.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting duplicate accounts on my credit file. Midland Credit Management and XXXX XXXX XXXX  ; XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect the same accounts and reporting on my credit file duplicates.
Product: Credit reporting or other personal consumer reports

I disputed and submitted a complaint to CFPB on TransUnion for a collection account with inaccurate data on my credit report which was then deleted from my reports by both TransUnion and XXXX. However the account was then readded back to my TransUnion report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my TransUnion report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my XXXX report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

Since mid-XXXX 2020, I have been unable to withdraw any cryptocurrency or fiat currency from BinanceUS. When I try, I get an email saying " withdrawals suspended due to risk management. '' I can still deposit into BinanceUS as normal. I tried their tips in the FAQ, and none of them worked. I emailed their support on XX/XX/2020 telling them to look at this, as until then I had not needed to withdraw. I got no response. I then sent a support ticket on XX/XX/2020, to which I got no response. I emailed them again on XX/XX/XXXX as well. Finally, I tried one more support ticket on XX/XX/2020. I have over {$29000.00} locked in BinanceUS as of the time of this writing, and I have yet to receive any response from their support.
Product: Mortgage

My mortgage is with XXXX. My homeowner 's insurance is not escrowed and we pay it ourselves. Each year, I upload the insurance documents to their website so that they see that I have paid for the whole year in full. Each year, they threaten me stating that they don't have the documents and that they will be purchasing homeowner 's insurance on my behalf and charging me. They did this again, even though I uploaded all of the documents they request. I uploaded them within 24 hours of the new policy taking effect because they would not allow me to upload them prior to that date ( XX/XX/2022 ). I've tried to call them, but they state it is not on their website, even though I can see it uploaded there. I've asked where else I can send the documents but they will not respond. I asked to speak with a manager but they said the manager would have to call back, but no response yet. I have full insurance coverage which was provided to them, but they are still threatening to charge me for insurance I don't need. They did the exact same thing last year- and I suspect this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX . XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX , XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please Apple Card - Gs Bank Usa Apple Card XXXX Gs Bank Usa ( Revolving ) Accounts - Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry from XXXX XXXX that doesnt belong to me. I notified Equifax and they refuse to remove it.
Product: Checking or savings account

Sofi. Has put a hold and lock on two accounts, I opened .I was told that the reason is due to a investigation ongoing, but when this account was open I had problems with my funds and purchases being made from the account with out my approval or knowledge. There was a complaint I made they said that I put in the wrong address and the first set of checks were being used by online purchases. I did not put in the wrong address. The representative called me after I ordered the first checks his name was XXXX. He asked for all my information then hung up I called back and some other representative said there is no way I spoke to a man that worked for sofi they are not allowed to give a name. I explained the caller Identification said sofi the lady said that she would call back. Any how my account was compromised, then before they called back another purchase was made for XXXX at XXXX I called sofi again they said there is nothing they can do it looks like a good purchase I returned said maybe its a mistake from XXXX XXXX  used to make a purchase on a site I was browsing but I checked and Ive never visited the site before, I again got on the phone said how is it possible that you dont have the means to put back what you lost that I had trusted sofi with. I was in mid explaining when the person said I can put another order of checks for you. I said ok. And they shunned me .hung up and that was when I last spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.
Product: Mortgage

I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 platform, 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 I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried calling XXXX customer support. The link I clicked turned out to be a fraud link and phone number. I called the customer service that I believed to be XXXX and it was a scam site and number. I talked to a guy on the phone who led me to believe my ticket wasnt showing as available since I had hacked passwords and they were using my info to get crypto currency to do illegal things with. He had me download the Any desk app and phantom wallet. He guided me randomly through a serious of steps and then got me into my Cashapp and wound up getting me to purchase and send him XXXX. I dont really deal with XXXX  and XXXX so I had no idea what was going on until I was getting ready to get off the phone and then when I asked he hung up. Come to find out, what happened was he was scamming me out of my money in crypto dont couldnt be traced back. He drained my entire bank account. Every penny I had, which was my bill pay money. The company is XXXX  I had to look it up to figure it out. I have the url link to the website of the fake XXXX page as well as the XXXX different phone numbers they had posted. After I used the XXXX number, it went to busy every time after that and then when I went back to the link, it was changed to an XXXX number. I called them and they pretended they never talked to me and then tried to get me to use the anydesk app again. I called them out and they hung up. I called back and they pretended to be XXXX and I called them out again, they got mad and hung up. I called back and it was that first guy again, but calling himself a different name. We argued and I hung up and called back, only to speak to a woman on the phone. This is a scam and fraud company tricking people into sending them XXXX. I have gone back and forth with cash app to try and get my money back, but they refuse to let me speak to a manager or fraud dept. on the phone. Their manager emailed me back and refused to refund my money. I went back and forth with them since the XXXX and they keep giving me the runaround, avoiding even trying to help and refusing to refund my money. They keep telling me they are closing the case and if I have new info, please provide it. I provide new info and they pretend they never received it and close the case again. They are 100 % refusing to help me get my money back. I have already filed a police report, contacted the BBB, I have filed a complaint of fraud with the FTC, FBI, SEC and my state attorney general, but so far nothing has been done. This was all of my money I desperately need. I am a XXXXXXXX XXXX with kids, child support, bills and I recently lost my job and now Im on the verge of losing everything due to this scammer. Please help me.
Product: Credit card or prepaid card

On XX/XX/2023 I noticed suspicious activity on my XXXX XXXX account which has my XXXX veterans benefits. I had to close the card and ask for a new one, which they are charging {$4.00} for. My account was compromised by thieves and now this company that controls my card, are stealing from me. Any charge applied to a XXXX veteran who has his account stolen from is sickening. 
Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.
Product: Credit reporting or other personal consumer reports

TransUnion did not honor my security freeze which resulted in identity theft for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX