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

I have tried disputing XXXX XXXX XXXX through XXXX and Equifax and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Debt collection

Professional Finance Co. is in violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened Kohls charge card account XX/XX/XXXX Moved addresses XX/XX/XXXX XX/XX/XXXX, I updated new address with Kohl 's for statements via telephone XX/XX/XXXX, I never received a Kohl 's statement XX/XX/XXXX I called Kohl 's as I had not received a statement, Kohl 's told me that I did not change my address with them according to thier files and I was late on my XX/XX/XXXX statement. 
I again changed my address with them and paid the balance in full. 
I closed my Kohl 's account in XX/XX/XXXX. 
I find this affects my credit report XX/XX/XXXX I call Kohl 's customer service about this and they told me to file a report since they could not help me. 
I had this card from XXXX, never missed a payment until I moved and they did not forward and or I did not received. 
I would like this adjusted so my credit score can reflect my actual activity
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes on every other month with Transunion. It does not happen with the other credit bureaus. Every time my school loan increases due to interest accruing, XXXX drops my credit score ( 88 pts this time ), using the excuse that I may have missed a payment. However, my school loans are in deferment until XX/XX/19, so I do not pay until then. There answer to my inquiry about this matter was met with the scores are calculated based on reporting from my accounts. If that's the case, ALL MY ACCOUNTS ARE IN " GOOD STANDING ", and I've never missed a payment. Again, I don't go through this with XXXX or XXXX. I need to find out what the problem is with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my son passed away unexpectedly causing unexpected expense of cremation. XX/XX/XXXX my XXXX was hospitalized causing unexpected loss of income for XXXX. On XX/XX/19 I checked my Wells Fargo Bank account and found that it had been closed due to being overdrawn. I have direct deposit and had it remained open Wells Fargo would have received their overdrawn amount plus overdraw fees. Instead they closed the account and reported me to XXXX XXXX XXXX causing me to be unable to obtain access to my paycheck for another week and outstanding checks that I had written not to process. They gave no warning that they would close the account. I have not received any bill for the amount owed to Wells Fargo due to them closing the account without telling me.
Product: Consumer Loan

FORD Credit failed to post my payment of {$2000.00} to my account. This check cleared my bank on XX/XX/XXXX. As they use a reader/scanner to deposit the check there is no back image available from the bank. I had to FAX XXXXnot email ) a copy of check # XXXX that has cleared my account on XX/XX/XXXX. In addition I have had to attach the screen shot of my account showing check # XXXX clearing my account. This check was mailed on XX/XX/XXXX WITH THE PAYMENT COUPON ENCLOSED!! The call center refused to help without the back of the check. clearly I can not provide what does not exist. 
Given the lack of assistance I received with the FORD call center I will be moving this loan this week. I know I can receive decent service from my local bank.
Product: Credit reporting or other personal consumer reports

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX  account payments XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with XXXX
Product: Debt collection

This is a credit card debt with XXXX XXXXXXXX XXXX  debt collection is from True accord but was XXXX XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have the better balance rewards credit card from bank of america, which pays me {$30.00} every quarter for monthly usage of any amount. So for XXXX, I get paid {$30.00} in XXXX, and so on... and XXXX XXXX in XXXX. 
I usually get paid {$30.00} by XXXX of each quarter, I was supposed to be paid {$30.00} for XXXX, 2022 this month, but I didn't receive it. I tried contacting them online and through phone but none of the agents bothered listening to me and always pretended to get it all confused and no matter how many times I call or contact them, no one bothers investigating why I wasn't paid or even opening a case for me. I tried to stay on the line for several mins to hours, but no one helped, which was infuriating since all the last few years I always got paid on time, but this time it seems like they dont care about their customers anymore.
Product: Credit card or prepaid card

I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I mistakenly submitted a purchase order for {$800.00} to buy XXXX using a checking account that I thought had available funds when it didnt. That was a mistake on my part. This transaction occurred on XX/XX/2021. The amount was charged back to my bank and Binance requested that I submit both a bank account statement and a short video with my drivers license reading a passage to confirm my identity for risk management purposes. After I completed this I would be allowed to continue trading and/or withdraw/deposit again on their exchange. Of course the {$800.00} needed to correctly deposited on the exchange which I did complete as well. 

I have completed the requested video and supplied the requested documentation but they will not respond to support tickets or allow me to trade or withdraw my money from their exchange. In total I now have over {$4000.00} locked in their exchange with no access to the funds because they refuse to answer support tickets. Their CEO is the only response that I have received a response from and that was via a comment on XXXX after numerous users including myself called him and his exchange out for refusing to respond to support tickets. He responded saying that he was was sorry they have too many support tickets. That sounds like a mismanagement problem on his part. Hire more staff or shut off your exchange to new customers if you cant handle the incoming flow. Theres a reason XXXX is able to buy XXXX stadiums and your beta cuck exchange cant. They care about their customers and are financially rewarded for doing so. 

I want my XXXX, Tether, XXXX, and LINK off this exchange immediately. I want my ability to trade, deposit, and withdraw assets restored as well. There is no reason for them to not respond to tickets # XXXX submitted on XX/XX/2021 and # XXXX submitted a few days prior.
Product: Mortgage

This this is not a duplicate of CFPB Case number : XXXX as it is a new and separate incident. 

On XX/XX/XXXX, after the issuance of the XX/XX/XXXX for XX/XX/XXXX installment statement and immediately prior to the Trustee Sale of XX/XX/XXXX, Bank of America bought down the principal balance associated with this account twice, meaning it was bought down XX/XX/XXXX and put back after I called Bank of America on this illegal activity related to a mortgage or Deed of Trust and then bought down again XX/XX/XXXX. 

According to the information and representations provided to me on XX/XX/XXXX by XXXX ( Customer Service Department ) and XX/XX/XXXX by XXXX ( Home Retention Department ) Bank of America employees, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX which is supported by information received from the Trustee, XXXX XXXX XXXX XXXX ( XXXX ), that the MAXIMUM bid at Trustee 's Sale and public auction has been reduced to {$300000.00}. Obviously, this amount excludes the MHA and CalHFA monies due at time of sale. To date, neither the MHA and CalHFA debts have been satisfied and are currently attached to the account. 

This account is a signature loan as established XX/XX/XXXX and the associated real proprty had not been used as collateral to secure the XX/XX/XXXX Deed of Trust that Bank of America has foreclosed upon after a seven ( 7 ) year delinquency and after a rejected settlement offer made a year before recording a Notice of Default ( NOD ). Clearly, the Notice of Trustee Sale ( NTS ) ( which I have yet to receive a recorded copy of ) is a retaliatory action related to a mortgage or Deed of Trust. 

All previously mentioned resolutions are desired and mandatory.
Product: Vehicle loan or lease

I have a 39 month lease that terminates in XX/XX/XXXX. All payments are up to date and the account is in good standing. I no longer need the car. In XXXX of XXXX, I listed the vehicle on the nationwide lease exchange known as " Swap a lease :. This site advertises for individuals to take over the lease. I have had no less that 20 offers to take over my lease. Unfortunately, Infiniti Financial Services - a division of Nissan Motor Acceptance has issued only 1 lease transfer. It took almost 6 weeks - when they finally did issues the paperwork, the buyer had moved on to another vehicle. 

Dealing with Infiniti customer service is a joke. They outright lie to you. They mis-represent and ( in my opinion ) have no intention of allowing me to transfer this lease to another individual. I keep paying every month for a car I am not using. Infiniti has no incentive to help me. I have no leverage - except to file a complaint with this CFPB.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notice that my personal information has been breached and compromised. I noticed several accounts on my credit report that I am not aware of that was not accompanied by me. My credit score is very low from this unfortunate situation.
Product: Debt collection

This company has called me 9 times in the past 2 days. After I have already talked with them and let them know my situation. A complaint was already filed a few month back. Theyre at it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY
Product: Checking or savings account

Problem # 1 - Since early of XXXX, I started having numerous fraudulant/unathorized charges on my checking account. Of course I would dispute them, the bank would take care of it and reimburse me. At first did not seem to be a big issue. But as ytime went on, I began to realize that this was happening a lot. There came a time where I spent more time waiting on a new card, changing auto bill pay, then actually using the card. I asked about closing this sccount entirely, but was told that was not possible, as there were open disputes ( Which there seemed to always be for over a year ). There were even instances where I would call pertaining to a charge I did not make, they cancelled my card, sent a new one, and the very next month there was again another charge from The same company! This really got me worried when I started receiving multiple letters and notices about my information involved in data leaks. I attempted to talk to a banker regarding this matter, the banker " missed '' two meetings in a row. Almost as if she really wanted to avoid this meeting... I'mstill unsure as to why. I wrote her an email stating my concerns, she wrote back seemingly absolving herself of any wrong doing and tries to pass me on to a different person. At this point I was ready to just leave the bank entirely ; but of course I could not with pending disputes and transactions. 

Problem # 2 - After all this started to happen, I then noticed that my savings accounthad complely disapeared from online banking site, as well as app. I've gotten a few different answers and reasons as to why, i.e. " The app hasnt totally migrated yet, '' etc.. This is VERY unsettleing considering this account started with over {$90000.00} in it earlier that year, and has dwindled to nothing. Bringing me to Problem # 3 - Overdraft fees Overdrafft fees and more Overdraft fees... So many Its hard to count ... .YET, ON ALL MY BANKING STRATEMENTS, THE BEGINNING BALANCE, ENDING BALANCE AND EVEN DAILY BALANCES LISTED ON THE STATEMENT NEVER SHOW OR REFLECT A NEGATIVE BALANCE, ALMOSE AS IF TO MISLEAD SOMEONE CHECKING THEIR BALANCE. This add up to hundreds of dollars ( not to mention the fact I can not get an answer as to why there was no interest paid on that account ), and now this account has ended suddenly, with a single dispute ( mind you Ive counted I beleive at least 13, where they denied this one dispute ( Which happened to be the largest on financialy ) ), only to lead my account so far into the negative I could not recover it. I has now neen " charged off '' They tell me, with " open disputes '' still occurring on it and credits coming back to it as I write this. I really think there are errors that I also have missed at this point, but I'm no banker and I'm exhausted trying to get answers. They will " fix '' my missing account, only to have it disappear again... 
Please Help
Product: Checking or savings account

Bank of America routinely blocks payment on my debit. I honestly believe at this point this is pure harassment on the part of BofA. 

This last transaction they blocked a {$290.00} transaction. The result of this block was that my order disappeared. I had spent a couple of hours curating this order. Was this order to an online XXXX site? no it was to purchase essential oils at XXXX  XXXX. 

At this point it is just clear that BofA is discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND TRANSUNION SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment on XXXX XXXXXXXX XXXX XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXXXX XXXX when the identity theft happened and wrote a statement
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the wrong social security number in their system and when I call to fix it the answering machine keeps hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested my free annual credit report to be sent to me back in XXXX or XX/XX/XXXX. It was not sent to me. Please send annual credit report to me ASAP. My name : XXXX XXXX. SSN XXXX DOB : XX/XX/XXXX. See attached ID with my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX