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

After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I am writing to formally dispute the presence of a fraudulent account on my credit report and to bring to your attention the violations of 15 U.S.C 1681b and 1681c-2. I have discovered that XXXX XXXX XXXX has been reporting an account in my name that I have never authorized or had any association with. 

As a victim of identity theft in the past, I am extremely concerned about the inaccurate and damaging information being reported on my credit report. I have taken immediate action to rectify this matter by providing Experian with the necessary documentation to verify my identity and prove the fraudulent nature of the account. However, I have not received any valid documentation from Experian associating me with this account. 

According to 15 U.S.C 1681b, Experian is required to have permissible purpose or my explicit authorization to furnish my credit information to third parties. I want to emphasize that I have not given Experian, or anyone else, authorization to furnish this fraudulent account information. Therefore, Experian is in direct violation of this provision. 

Furthermore, Experian is in violation of 15 U.S.C 1681c-2, which requires the credit reporting agency to properly investigate and validate the debt before allowing it to be reported on my credit report. I have requested to see how this account was certified, but Experian has failed to provide me with any valid documentation that verifies my association with XXXX XXXX XXXX  or the existence of any signed contract agreement. 

To support my dispute, I have enclosed copies of my Michigan state-issued driver 's license, a valid police report documenting the fraudulent account, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. These documents clearly demonstrate that I have been a victim of identity theft and that the reported account is fraudulent. 

I kindly request that Experian conducts a thorough investigation into this matter and takes immediate action to remove the fraudulent account from my credit report. Additionally, I urge Experian to update my credit report accurately by removing the incorrect address associated with this fraudulent account, as mandated by 15 U.S.C 1681c-2. 

Please provide me with a written response within the timeframe specified by the Fair Credit Reporting Act ( FCRA ), acknowledging the receipt of my dispute and informing me of the actions taken to resolve this matter. If necessary, I am prepared to seek legal assistance to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX Balance : {$14000.00} XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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
Product: Money transfer, virtual currency, or money service

The name of the company is etoro XXXX my email address is XXXX I was inquiring about a cost for a certain crypto how much XXXX coins would cost but instead they withdrew {$550.00} from my checking account their website platform made it appear you were checking the price not withdrawing money from your checking account a pure scam, I contacted the website by withdrawing the money but it keeps showing in process and only allowing me to withdraw {$510.00} but I still have not received it the process started on XX/XX/XXXX 2021and still nothing they say 1to2 days you can not contact them by phone they just give a worthless website to file a complaint that. They don't respond to. I want my money back it was taken fraudulently
Product: Credit card or prepaid card

I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX  with Elan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from XXXX. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/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  XXXXXXXXXXXX  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/XXXX/XXXX Collections- XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX {$59.00} XXXX/XXXX/XXXX XXXX {$280.00} XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Several inquiries pop on my report I didnt do I enclosed list of fraudulent inquiries and ftc report uploaded for you to see
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

My loan from XXXX XXXX XXXX was sold to another lender when the DOJ Settlement happened so they did not have to modify my negative amortization loan. The new lender servicer has refused to modify my loan even though they have all the information they need. They are proceeding to foreclosure without mediation, acknowledging my loan mod docs, or even a large down payment to reinstate my loan. The attorneys for them are a foreclosure mill and will not acknowledge receipt of any information. I would like a mediation or intervention to resolve the case.
Product: Credit reporting

This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, MD XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states SYNCB/TJX DC. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is Syncb/tjx Dc XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is SYNCBXXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is SyncbXXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, PA XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, DE XXXX and the phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and remove the following accounts from my credit report within 7 days. Please be informed that this is not a third party, but the consumer, XXXX XXXX, who has the right to dispute inaccurate information. The accounts to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2013 XXXX on XXXX XXXX XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. 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

There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. XXXX reported on XX/XX/2021 that account was last active. XXXX also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. XXXX stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off my credit report.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 BUreaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit card

I have been a SAMS CLUB member over 10 years, and I just find out they sold a unpaid bill under my name to a collection angency and placed on my credit report totally out of my knowlege. This unpaid bill is for a creadit card that I have never ever received, neither a actual creadit card nor a single paper statement! Therefore I called SAMS CLUB, XXXX of their representative told me the account was closed, he can not give me any information but only a number for the Debt collector. This is insane and not a proper way to treat a royal customer. On my credit report, it shows there is just XXXX original charge of {$170.00}, and fees add to it every month, the amount had increased to {$320.00}.
Product: Debt collection

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : CAPITAL ONE XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX  -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 I attempted to transfer {$50000.00} from my account at XXXX ( funds held by partner XXXX XXXX ) to the CapitalOne account Im writing about, to be used solely for child support payments for my son. The account was in my ex-wifes name ( XXXX XXXX ), however, with her knowledge and consent I had access to it, and planned to deliver all child support payments to her through that account. Said account had been virtually empty except for a couple of dollars for several years and when I initiated the transfer to it the sizeable amount flagged the account and CapitalOne froze the $ XXXX assets. 

CapitalOne said they were going to close the account since it was not in my name and return the funds to the XXXXXXXX XXXX  account which I sent them from, but as of the end of XX/XX/2022, they still have not returned the funds. My ex-wife, XXXX  XXXX, spoke with CapitalOne in XX/XX/2022 and they confirmed the same to her, that they were closing the account and returning the funds to my XXXX account. 

CapitalOne has not given XXXX XXXX or myself any update on when the funds will be transferred back and have had my $ XXXX funds frozen for the last 7 months, with no details on when they plan to return the money.
Product: Debt collection

I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/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
Product: Payday loan, title loan, personal loan, or advance loan

I made several payments to help or rebuild my credit as advertised being the purpose of their service. I was required to make fixed payments upfront to be given access to the funds at the end of the loans term. On XX/XX/XXXX I made an initially payment of {$9.00} and then {$25.00} payments were made once a month from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX the {$25.00} payment was declined and my account was terminated. The payments were XXXX payments directly linked to my bank account and was not possible that there were insufficient funds. When I called to see what could be done about it I was told there was nothing to be done that the account was closed and there were no refunds. The end of the term was supposed to be XX/XX/XXXX. Prior to this incident I signed up for this service and the same exact thing happened. I thought maybe it was an accident so against smarter judgement I attempted it again because they promised it would help build my credit which I have had a really difficult time doing. That time {$9.00} was charged to my account XX/XX/XXXX. On XX/XX/XXXX a {$150.00} payment was made and then it declined a {$150.00} payment on XX/XX/XXXX.
Product: Vehicle loan or lease

I have a long standing relationship with Navy Federal Credit Union. Well over 10 years, multiple loans, lines of credit and credit cards have been issued to my name from them. 
Recently I applied to have my auto loan refinanced. I wanted to lower the interest rate. I just barely got the vehicle about XXXX mos ago and obtained financing thru a different credit union. NFCU gave me a higher interest rate compared to my existing credit union and could not expand as to why and or what was causing for the rate to be so much higher. In addition the financing term would be a shorter term compared to my current credit union. I monitor my credit regularly, all payments are on time, credit usage is low, and 100 % of payments have been on time. So I was shocked to hear that they put me towards the bottom of the interest tier when they offered me such a high interest rate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding cashapp handling of disputes, Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Im current going to court for being robbed by XXXXXXXX XXXX and they refused to reimburse my money.