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

I payed my monthly payment early that was due on XXXX XXXX. And they are posting on my account that Im late. I payed {$200.00} more than the minimum due and the amount was posted and deducted from my checking account on XXXXXXXX XXXX This could affect my credit could you please have them correct this. I have proof and documentation from my bank. This is a revolving account with XXXX XXXX XXXX XXXX XXXX. here is the contact number XXXX and the account number XXXX
Product: Credit card or prepaid card

I have a credit card with Alliant Credit Union. There is no option online to close an account, not even a mention of it. 

I called their customer service line in XX/XX/2020 Of all the options in their automated voice system, none of them included " close account. '' Still, I persisted and jumped through the myriad hoops to try and get to a live human. 

The first time I got to the " a representative will be with you shortly, '' response, my call was disconnected without explanation. 

The second time I got to that prompt, I waiting 17 minutes only to be sent to a ringing phone line. I stayed on the line and was sent to a full voicemail with no options ; again I was disconnected. 

The THIRD time I found myself waiting to speak to a representative, I have now waiting 26 minutes and have yet to speak to a person. 

It is apparently not possible to close an account, despite their ( false ) marketing that their phone lines are open 24-7.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate o unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where experia has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I borrowed around XXXX XXXX in student loans total along with the XXXX XXXX and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX XXXX bc I owe XXXX XXXX in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My XXXX is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened
Product: Debt collection

In XXXX/XX/XX/2016 I had XXXX XXXX XXXX XXXX repair my roof they were to replace 3 rafters, 200Sf of decking and the roof Plus NO MAINTENCNCE gutters! 
They did not replace any of the rafters or roofing deck! But they did fall through my ceiling and damage my electrical wires in the attic! This project was financed through XXXX a who is serviced by Synchrony Bank For over a year I paid XXXX and kept calling XXXXs To get them to finish the project and to repair the damaged they did to my home! 
Just got the run around from XXXX SO I notify XXXX of the problem and was told they could not do any thing about their home improvement Group! 

I stop paying with in 3 month Workers from XXXX start coming around and calling me 3 to 4 times a day. They did quite me a price of {$14000.00} to fix the damaged that they did to my home! I told them to go to H! 

Synchrony Bank also services XXXX gas and XXXX XXXX XXXX which I HAD credit Cards for. 
I paid line my XXXX card after I get my XXXX check as I have for OVER 5 year. But this time Synchrony Bank posted my XXXX payment to my all ready-paid XXXX Bill! Charged me {$27.00} late fee canceled my Credit card and reported me to the credit company for being late all the time! 
They all so canceled my XXXX XXXX XXXX and credit card! Also reporting me to the credit reporting companies! 

It did cost me {$7000.00} to repair the damaged wires, {$250.00} to fix the gutter that was spelling rainwater onto my DET meter box. 

Synchrony Bank has stop calling BUT Workers for XXXX XXXX XXXX XXXX and XXXX are still calling me some times 5 times a day and after XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts with the credit bureaus, they are the product of identity theft, I have already provided an FTC report to the bureaus, I have called the creditors directly but they have not provided me any documents proving that I applied with them. The items in question, account number, balance and date they were open are as follows : XXXX- XXXX {$3000.00} XX/XX/XXXX XXXX- XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX {$580.00} XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX {$740.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX {$2600.00} XX/XX/XXXX XXXX- XXXX {$580.00} XX/XX/XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX- XXXX {$7100.00} XX/XX/XXXX XXXX- XXXX {$2700.00} XX/XX/XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting

THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.
Product: Mortgage

I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.
Product: Checking or savings account

My account was closed due to a negative balance. I went to deposit money at the banks ATM, {$4600.00} dollars worth, and the machine ate XXXX bucks and spit the rest out. I went inside and they informed me my account was closed, but gave me the info to call about the machine keeping {$300.00} dollars. I called their service, and they informed me theyd credit my account and give me access to pull the rest out ( after covering the negative balance or course ). However, I went to withdraw it as theyd told me to on the phone, and Im still locked out of the account completely. So there is currently over {$200.00} dollars in the account I cant withdraw or access.
Product: Credit reporting or other personal consumer reports

My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} SENTRY RECOVERY & COLLECTIONS Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at American .These fraudulent accounts consist of personal credit cards open at 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 XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVEREAL ACCOUNTS THAT WERE OPENED AS A RESULTS OF IDENITY THEFT.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was me, this inquiry XXXX  XXXX XXXX was obtained by fraud. if you can not provde me with this information in 15 days delete this inquiry. Send me a copy within 15 days! 


I already sent in a FTC report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Equifax and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in the amount of {$950.00} with account XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported XXXX from XXXX on XX/XX/XXXX. 
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX XXXX ATM failed to disperse cash, I captured image of error on ATM, and reciept from ATM, reciept clearly indicated transaction denied, also talked to ATM video help people, XXXX XXXX XXXX, manager closed ATM lane with orange cone and they both told me to report it it the bank, I also called police and for an incident number, provided all photos and incident number to USAA through their App and they closed the first investigation saying there was no error, I called back and talked to them l, told them all I had they re-opened the investigation, I requests documentation or reports but they didn't provide any details just the same letter that they concluded there was no error but provided no documentation. The reopened investigation ended the same way so I am reporting USAA to CFPB
Product: Credit reporting or other personal consumer reports

I have noticed an account on my credit report that I don't recognize and believe it could be due to identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, Complainant was reached by individuals, acting on the behalf of and/or through the Internet-platform XX/XX/XXXX he individuals contacted XXXX XXXX XXXX XXXX have explained to the Complainant and made him believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards the Complainant and exploiting the lack of special knowledge and skills of the latter, these persons persuaded the Complainant that they are completely legitimate, which influenced also Complainants decision to invest substantial amounts on their platform. ur research shows that there have been published numerous warnings against said platform that clear evidence that the platform XX/XX/XXXX does not have a license to trade regulated financial products such as they advertise on their sites. Deceiving the Complainant and promising substantial and rapid return of investment, the unlicensed financial broker demanded the Complainant to initiate series of payments within short period of time. The Complainant was deceived that these payments are for funding Complainants segregated financial investment account, none part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license ofXX/XX/XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their Complainants. Therefore, we assume that all payments were laundered by the Merchant and the Complainant was put in deceit that he can really place trades and participate on regulated financial markets. For a certain period of time after opening his imaginary investment account, the Complainant had access to his XX/XX/XXXX. After a while, the Complainant 's personal profile was closed without his consent, and all his attempts to get his funds back into his " investment '' accounts were unsuccessful. As a result of the interaction with the aggressive Merchant, Complainant lost USD XXXX ( XXXX XXXX XXXX XXXX ) paid in series of transactions by card within a short period of time. All payments were initiated through Complainants account with BANK OF AMERICA never warned the Complainant about potential risks associated with those payments. Complainant has tried to resolve the issue with BANK OF AMERICA. On XXXX, a Letter of Demand claiming compensation for the Complainant was sent to the bank on the following address : XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX United States of America. As of the date of this complaint, the bank failed to provide a response or feedback to the Complainant.
Product: Credit reporting or other personal consumer reports

I paid my XXXX XXXX XXXX card balance of {$7700.00} with a check made out XXXX XXXX XXXX XXXX and sent to their XXXX, AZ payment processing center. Approximately a week later the check was cashed and cleared my account. The next month my card statement listed the accounts delinquent with no payment applied. I took a copy of the caged check to my local XXXX XXXX branch where they told me the check was signed over to another party and cashed and they would start an investigation. XXXX months later they contacted me and asked me to file a police report on the incident which I did at the XXXX Police Dept. report # XXXX. The bank the check was written on XXXX XXXX XXXX after XXXX months refunded the {$7700.00} to my account and I paid the XXXX XXXX balance. 
XXXX XXXX never replied as to the outcome of their investigation and I closed the XXXX XXXX credit card account. Now I find that XXXX XXXX listed the account as delinquent during their entire investigation period even though the branch manager told me not to pay until my bank refunded my money. XXXX XXXX 's action caused a XXXX point drop in my credit score preventing me from purchasing a vehicle at a promotional finance rate.
Product: Credit reporting

Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.
Product: Credit card or prepaid card

Payment made to PayPal for {$250.00} in XX/XX/2022. I made an error and typed the account number as XXXX XXXX vs XXXX. Despite XXXX faxes to PayPal from my bank of the check which is endorsed by Synchrony Bank and more than a dozen conversations by myself with PayPal personnel/customer service representatives XXXX I can not get payment credited to my account. Their accounts receivable and payable department is woefully inept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Product: Debt collection

XXXX XXXX  LLC HAS CONTACTED ME YET AGAIN ON XX/XX/XXXX VIOLATING MY CONSUMER RIGHTS YET AGAIN NOT ABIDING BY FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 10 ROBO CALLS WITHIN XXXX HOUR AT XXXX XXXX XXXX XXXX IDENTIFYING THAT THIS XXXX XXXX  TRYING TO COLLECT A DEBT THAT YOU OWE. XXXX REPEATED LIVE CALLS FROM SOMEONE AT XXXX XXXX TIME FROM RESURGENT CAPITAL SAYING THIS IS AN ATTEMPT TO COLLECT A DEBT " THE COLLECTOR SAID TO ME ON THE PHONE THIS IS XXXX I WORK FOR XXXX HERE AT RESURGENT CAPITAL YOU XXXX  DEBT BEAT PAY, PAY WHAT YOU OWE US, YOU XXXX DEBT BEAT. i TOLD THE COLLECTOR THAT THEY ARE VIOLATING THE CEASE AND DESIST DEMAND REQUEST NOT TO CONTACT ME ABOUT ANY DEBT. THE COLLECTOR SAID TO ME THAT THEY CAN VIOLATE ME ANYTIME AND THAT THE FDCPA DOES NOT APPLY TO THEM BECAUSE THEY ARE UNTOUCHABLE. XXXX THE DEBT COLLECTOR FOR XXXX XXXX XXXX CAPITAL SAID BEFORE I HUNG UP THE CALL YOU XXXX DEBT BEAT, YOU XXXX DEBT BEAT.. I'M HORRIFIED AT THE WAY THIS DEBT COLLECTOR IS GOING ABOVE THE LAW. i ALSO NOTICED THAT LVNV FUNDING HAS ADMITTED IN WRITING TO YOU XXXX. THAT THEY CLEARLY VIOLATED THE CEASE AND DESIST DEMAND LETTER i REFUSE TO PAY TO STOP CONTACTING ME ABOUT THIS DEBT i REFUSE TO PAY THAT WAS SENT IN WRITING ON XX/XX/XXXX, XXXX XXXX LLC HAS ADMITTED IN THEIR OWN LETTER /DOCUMENT DATED XX/XX/XXXX THAT THEY SENT BILLING STATEMENTS TO ME ABOUT A DEBT. AFTER A DEMAND LETTER TO CEASE AND DESIST FROM CONTACTING ME ABOUT THIS DEBT/I REFUSE TO PAY WAS SENT IN WRITING DATED XX/XX/XXXX OF XXXX. VIOLATION OF FDCPA 15 USC 1692C- ( C )
Product: Vehicle loan or lease

I had an auto accident in my vehicle, which was totaled. My main insurance paid the majority of auto loan off in the amount of {$11000.00}. in XXXX of 2021 and I had GAP Insurance for the remaining portion of loan, interest, etc. XXXX is the company that carried the GAP insurance when I purchased the vehicle and SanTander XXXX XXXX was to provide them with the remaining amount of outstanding balance of {$2500.00}. I am still being harassed by Santander XXXX XXXX, where they are telling me that GAP Insurance doesn't pay for any interest on loan, etc. and that I still owe their company roughly {$1600.00}. This discrepancy has been hitting my credit report all these months for absolutely no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple times to get my report, but they were no help