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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

At XX/XX/2020. My dad sent my Binance.us wallet  XXXX ETHs. When sending crypto you got networks to do it my dad sent it with the wrong one. So I wasnt able to receive my coins. A week later Binance.US blocked my account withdrawals and locked 3 more ETHs to my account. They are worth XXXX $ dollars. I contacted the binance us about the situations that I was having they asked me some more documents to re open my account I provided them. The also told me that they would help me recover my coins in exchange of XXXX BTC and tolde me it would take 3 weeks to recover and refund them. Now we are in the middle of XXXX and 6 months no help at all. In this process they didnt even reply to my mails for months. Finally I was in communication with them through XXXX They asked a cypto wallet address to refund my assets to. I provided and started waiting. A month is passed again but no news they just say they escalated my ticket or they are working on all refunds. I dont think they are working on the tickets. And I think they are XXXX  me everytime I ask my coins. My lost coins are worth XXXX and I want to have them. I believe they might have stole my coins.
Product: Student loan

Sometime in late XX/XX/2023, I received letters from Aidvantage telling me my autopay would still work and that my new monthly payment would be {$420.00}. The issue I had was that my minimum payment was {$320.00}. 

On XX/XX/2023 I waited on hold for an hour before reaching a customer service rep. I told him the situation and he told me there was nothing he could do on his end and the best bet would be to cancel the auto pay, and redo it and hope that would fix the amount paid to the amount owed without the overpay. I asked him specifically if there was enough time between XX/XX/2023 and XX/XX/2023 the day my first loan was due. He assured me it would be fine. So I cancelled the autopay, and resubmitted the autopay ( Emails attached showing this was done ). 

Today on XX/XX/2023 I log in to see that I've missed a payment, that my autopay did nothing, and now when I try to autopay it has the amount due as {$420.00} not XXXX.
Product: Debt collection

I have a dept of {$1000.00} own my credit report was unauthorized by me and I had no knowledge of. I filed a deed and Leau in 2017. The original loan was with XXXX XXXX  XXXX. I was sold to Guild Mortgage Company. 

Guild Mortgage Company Attn : Customer Service Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I contact XXXX, NJ a service mortgage company in NJ that will not own up to putting own my credit report. I was never contacted by mail or anything. This is a unauthorized impact own my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Auto loan in the amount of {$5000.00} has violated my rights as a consumer. Law 15. U.S. code 6802 : stats a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. It's also showing that the account has been CHARGE OFF but still in collections. How is this possible?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1400.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Student loan

My payments made on my Consolidated Direct Student Loan issued in XX/XX/XXXX, are missing for the months XX/XX/XXXX through XXXX  XXXX, in the records of Mohela who now service my loan since the date I applied for Public Service Loan Forgiveness. 

Currently I am being denied forgiveness, befcause Mohela says i require 24 additional payments. The count of missing payments is 30, which would make me eligible for immediate forgiveness, under the current rules. 

The missing payments appear to correspond to the date my servicing was transferred from XXXX to XXXX in XX/XX/XXXX. All the missing payments were made to XXXX. Mohela has a record of payments prior to XX/XX/XXXX, on previous Consilidation loans ( each replaced the previous ) but the payments made before to XXXX on the last Consolidation have simply disappeared from Mohela 's payment count. ( though they did once reappear with a detail stating " no bill was issued ''. 

I am attempting to obtain bank statements from a former bank for that period proving payment, but it is very difficult because of how long ago these events occured. 

Thank you.
Product: Credit card

I have used American Express since XXXX. Earlier I had the basic card which I upgraded to gold card and than to platinum card, by paying the XXXX XXXX $ of membership which were not explained to me earlier. I made this complain but it went unattended. 

Than after Recently, I did down graded my card to gold card than also, and told the card to be delivered to XXXX, the said on face the support was XXXX. Than what I am paying the membership fees for, I can not use the card and also no support from the administrative team. 

I called them to United States from XXXX. I spend half and hour on call. The agent in XXXX name XXXX, literally went mute purposefully to avoid me making me, to talk with manager. 

Membership are like extortion forcefull with zero support. I am paying membership fees, but not getting card to use. How it sounds?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to XXXX, Trans Union, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, XXXX, TRANS UNIION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.
Product: Prepaid card

On XX/XX/year> between XXXX : P.M. and XXXX : P.M I tried using my Direct Express Card at the ATM at the XXXX XXXX FCU located at XXXX XXXX XXXX. XXXX, XXXX, XXXX. The ATM stated that it was unable to process my request @ this time, the machine was not working properly and it held my card for a few seconds longer than normal before it finally released my card. I went inside the bank and told XXXX of the tellers of my situation. Since I didn't receive any funds {$700.00} from that ATM, my rider XXXX XXXX and I went to the XXXX XXXX XXXX XXXX @ XXXX XXXX, XXXX. XXXX, XXXX. I tried to withdraw {$700.00} from my Direct Express card but the teller said that it was unable to process that amount. I then tried to withdraw {$500.00} with success. I called the card info line to see why I could not withdraw {$700.00} and found out that my balance after the {$500.00} withdrawal was {$700.00} short. I immediately tried to contact Direct Express to find out why {$700.00} had been taken off of my Direct Express card. I wasn't able to contact them until the following morning due to the fact that I was on hold for several hours before anyone finally answered my call. Whenever I was finally able to speak to someone, I was told that I needed to file a complaint with the complaint department who only work Monday thru Friday and this was now Saturday morning. The person that I spoke with took the info and gave me a case # XXXX. After speaking with the complaint department on Monday, they gave me a provisional {$700.00} until they investigated the situation so they say. On XX/XX/XXXX when my XXXX deposit was put on my Direct Express Card, Direct Express took the {$700.00} back and my case was closed out. According to the bank XXXX XXXX XXXX XXXX and Direct Express they say that I received the {$700.00}, which is NOT TRUE. I have sent several emails trying to get them to please look into this matter more carefully. I have ask for the bank to look @ their surveillance camera and for Direct Express to send me a copy of my XXXX statement. Nothing else have been done by these companies to assist me in getting my money. Direct Express have government contracts and they treat recipients as if we are not important. I don't know of any actions that were taken by either company as no one has given me any thing in writing. The little bit that I have been told has been all verbal.
Product: Credit reporting or other personal consumer reports

I contacted capital one about a credit card account I didnt open and didnt authorise to be opened under my name, social security , my address, and my bank account that was used fraudulently. They closed the credit card, however have decided to still make me responsible for the balance of XXXX and refused to do a proper investigation into the fraudulent opening and use of my information. I was hacked in XXXX. All my credit cards were fraudulently used and both my bank accounts with XXXX and XXXX  were also hacked and used fraudulently.
Product: Credit reporting or other personal consumer reports

Someone impersonating me opened a credit card with XXXX bank. This happened around XX/XX/XXXX. Somewhere around XX/XX/XXXX, XXXX alerted me of potential malicious activity. We discovered the card was opened without my knowledge. The card was closed soon thereafter. XXXX XXXX XXXX the account balance of {$9800.00}. This is showing up on my credit report and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to correct some personal information with Experian and the number they give to call is literally useless - XXXX. There is no option there to speak with anyone. Just some useless automated operator that does not provide any information and eventually hangs up on people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which puts me at risk of identity theft. This is unacceptable since I never in the first place had the chance to deny Equifax to even have my information.
Product: Vehicle loan or lease

They reported negative or inaccurate information on my credit report which is against 15 usc 1681. They denied me the ability to discharge this debt by not giving me the ein # to use on a 1099 form for the irs. They have also harrassed me about this alleged debt by phone call and by mail. They also repossessed the car when I know it was paid in full using my social security number because I'm the creditor so they wrongfully have stolen my property and have committed fraud. All of these are violations of HJR 192 and 18 usc 8 obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX
Product: Money transfer, virtual currency, or money service

I opened a paypal acount as a way of transacting internationally the account email is XXXX. However I was shocked that upon the depositing of money in the account, it was immediately limited permanently for 180 days. According to the company 's policy, you have to wait for 180 days and an email on how you could withdraw from the account would be sent. 
I report that even after waiting for the 180 days, my money is still held. I have tried to reach them on my phone but still I get automated phonecall. i dont get to speak with the agent. My money has been held for 329 days I received an email that they try reaching me on the phone but it was not going through.it is a lie. 
it is only fair that Paypal stays true to their policy, why is money held upto 329 days when their policy says that the limit is 180 days??
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, 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: Debt collection

XXXX XXXX XXXX XXXX sued wrong person on account consumer closed. It is not legal for them to transfer an account to another person.
Product: Credit card or prepaid card

On XX/XX/2022, I went online to check balance on a " Vanilla visa gift card '' it had {$13.00} left of original {$100.00}. When I went to store to use I was told there was XXXX  cents left. 
When I went to check balance online could see that numerous charge for XXXX cents and {$1.00} were made to " XXXX XXXX ''. 

I feel the website was hacked since it took be to an illegitimate website from the real one. When I called the number on the back of the card XXXX XXXX XXXX XXXX, they were unconcerned about their websites security and told me to call back in a week. 

I am not as concerned about the {$13.00} as I am about the scam and the cards lack of concern and that is why I am reporting to you in hopes that these scammers can be stopped.
Product: Debt collection

I have been working to clean my credit report and in contact with Midland Credit Management for over a year. They refuse to work with me on a settlement. They insist on payment plans for the full amount. I was on a plan and stopped because I couldnt afford it. Today I called once more to offer {$300.00} on the balance of {$1100.00} and this was declined. I would like information on the debt itself and how they came up with this amount in the first place. If I owe this balance, then I would like assistance in negotiating as they are unwilling to help.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud using Zelle and Zelle said they wont protect me or my money that you should only send money to family in Zelle. They never protected me nor would they refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I am so frustrated that this continues to occur and Equifax/TrustedID indicates they can't help me. They refer me to call XXXX and XXXX tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write XXXX in SD and request deletion of the items on my credit report. I did that in XX/XX/XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from XXXX XXXX, XXXX Box XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX-neith of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
Product: Money transfer, virtual currency, or money service

All monies reported to be returned. 
XXXX XXXXXXXX XXXX routing number XXXX account number
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received 2 payments to my cash app account. One payment was XXXX and the other was XXXX. I received a message telling me that there had been a payment sent to me which was the XXXX. The message also told me that I needed to accept this payment from the sender in order to complete the transaction. I accepted the payment and about 10 minutes after I accepted the payment I then receive a message that the payment had failed and that cash app had blocked this payment to me for my protection. This I don't understand and that's because cash app was unable to provide me any other information on why they felt I had to be protected from receiving my payment. 
If cash app had a flag on the individual that sent it to me then why is that person allowed to do any kind of business through cash app.!!! Also I received a XXXX payment on XX/XX/2022 just following the payment mentioned above and according to the Agent at cash app ( XXXX ) there was no problem with this payment and that it was available in my account to be used. I viewed the XXXX payment sent and my account showed me a XXXX! balance in it. I went to purchase something at about XXXX XXXX  the same day of receiving the money and the purchase was declined. I waited a few hours later and attempted to use the XXXX and that transaction was declined as well. This was gas money for me to get to work. I was unable to make it to work. I lost XXXX of income because of this. Cash App keeps you waiting for hours before you can get any assistance from them. You rarely ever get to talk to a human. The help they provide is by way of chat/text. This is not the first situation I have experienced with Cash App that I needed assistance in order to receive the money that someone sent to me. Each time is a a couple of days waiting period before anything is resolved. To send and receive money is the core of their business and they handle this as if they have no clue and definitely no urgency in processing a person 's money. If they are that busy where it takes 2 days or longer to assist a customer then why won't they hire more help to accommodate the the customer in a efficient time matter. 
My account name with Cash App is. XXXX XXXX XXXX The money I was trying to receive was sent from XXXX XXXX XXXX and the XXXX was sent from XXXX XXXX. As of this point I still have not been able to access the XXXX payment sent to me.
Product: Debt collection

Good morning I have been going back and forth with Westlake Financial XXXX. I did a settlement agreement to pay XXXX XXXX on what is owed which was XXXX. I went ahead and gave them my debit card to process the payment in full and requested a paid in full letter. I was not provided with the letter and was told that they needed to take 10 days for a payment to process in order for them to send a letter and even 3 more weeks for them to update the credit. Now I did call my bank and received a confirmation number of the transaction and was told it was paid to the client ( Westlake ) I reached out to Westlake with the confirmation number and asked to please send me a paid in full letter and the rep has refused and hung up on me. I have called back over 30 times and get connected to the same rep and was again hung up as I was bothering her.. This is not professional. I have all documentation that this account is paid in full.