23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then XXXX years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( XXXX years ) I feel that all XXXX XXXX, Equifax and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all XXXX bureaus REMOVE this immediately from both my name and spouses. It was paid and released over XXXX years ago and taken off and on our credit, most recently placed on again.
Product: Credit reporting or other personal consumer reports

in the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX, AXXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, 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 1681 c. ( 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times. They are refusing to fix and always claim its verified with no proof.
Product: Debt collection

Spoke with this company asked to validate this debt and verify my name address and social security number which the social security number didnt match. I spoke to manager he told me no worries this was a common mistake of customers having the same name as me and the account was floating around went to collections and was tide to me because I shape the same name with other people two of which that lives in my state one in my city. Also went into a local XXXX  with my drivers license and social security number they told me I didnt have service and has never had there service. The collection agency said this account was opened in XXXX mind you my family of XXXX and myself have been with XXXX XXXX since XXXX. With XXXX lines. I have never had XXXX. While trying to verify at the local XXXX  store that I didnt have an account with them they proceeded to try and get me to switch from my current wireless phone company to theres. Now riddle me this how could I have a debt with them and be approved for service? Also this collection agency is not licensed to collect in my state anyway but they want to bribe me to pay a debt that clearly doesnt belong to me. I have also been a victim of identity theft but this is not the case. Because this comply does not have my social security number only a name of other people and I having the same name.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act 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.
Product: Debt collection

Hello not sure of the Exact date it was around the first part of XX/XX/XXXX, I received a Call from Chase inquiring about an balance on {$670.00} from an checking account i opened in XXXX. I didn't dispute anything as i knew i owed the charges. I asked the lady if i could counter the amount and pay {$400.00} as a settlement amount. The agent agreed and took my bank and routing number for payment which would of begun immediately. I also received a letter in the mail stating if i pay the {$400.00} by XX/XX/XXXX the account will be consider paid. Payments were to begin immediate and after a few weeks i did not see any charges coming out my account. I called the agent and asked what was going on and we went over the bank and routing number to make sure it was recorded correctly with the agent. She advised me then that they only take certain kinds of checking account numbers from traditional banking accounts as i had given them my information from my prepaid debit card i had with a non bank. The agent advised they couldn't go back and honor the agreement and i was fully responsible for the original charges.
Product: Payday loan, title loan, or personal loan

I have a fraud watch on my credit report since around XX/XX/2008 but not 100 % sure that the year is correct but close enough, and NO ONE is to run my credit without calling me first to see if I applied for credit. In this case I have not applied for credit from anyone in any form being loans, cards, etc. I'm XXXX from end stage of my XXXX XXXX and I'm at home on XXXX care with XXXX XXXX XXXX. I've been on hospice care since XX/XX/XXXX. First with XXXX XXXX and then I changed to XXXX XXXX.I 'm not able to apply for credit of any type nor have I been contacted by anybody about getting credit. So if there is anything you can do to put a stop to this please do so. I'm not looking for credit from anyone. 

Yours truly, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sent money person never received it a few time and I never received money that was suppose to be sent to me and nothing was done about it
Product: Debt collection

On several dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I disputed several accounts reporting on my credit that was related to identity theft, ( accounts not mines ) or inaccurate reporting such as incorrect amounts, inaccurate payment history, debt verification of several accounts that is in question. 
I again file multiply disputes via XXXX online dispute center and have not received and validation letter per request.
Product: Debt collection

Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.
Product: Credit reporting or other personal consumer reports

My loan was transferred from XXXX to XXXX in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/year>2023. I paid XXXX my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the XXXX  swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing two mortgage balances for the same loan under both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX  XXXX  XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED
Product: Student loan

I'm being charged late fees on loans as if I'm on a payment plan while in deferment. 
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment. 
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.
Product: Student loan

The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back. Navient does not want to give a clear-cut reason on why they do not want to accept my internship deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

With the help of my sister I managed to get a Capital One Quick Silver credit card to be used on my travel to XXXX XXXX XXXXXXXX XXXX to attend to business matters that had been pending since Covid in 2020. On arrival in XXXX I tried to get some foreign currency at an ATM and was denied. I later learned from my sister who is more familiar with banking policies that I probably should not have tried to get any foreign currency. After I took a taxi to my hotel in XXXX I could not use my card even for a regular transaction nor could I use it anywhere else. Repeated calls to Capital resulted in denial since they required proof of who I was that required me to photograph not only my Drivers license and my U. S. Passport, but my actual social security card which I, and for that matter, anyone else I know would ever consider taking on a trip unless informed and even then I would have reservations since it is so integral to security of my identity as a U. S. citizen. It has meant that my sister has had to put money in my bank account since my own finances have been pretty meager due to Covid. I explained all this to various employees and supervisor who all stonewalled when I explained the impossibility of producing my social security card but having no reservations for submitting other types of documents to their scrutiny. They claimed that that was their policy and there were no exceptions under any circumstances even when I explained and my sister confirmed from NY that not to do so would mean I could not use their card and would require a lot of effort on the part of my sister to help me out under the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau would not remove credit
Product: Checking or savings account

doing busness with direct express field a dispute with them way back in XX/XX/XXXX in the amount of {$87.00} usd i saw an ad on XXXX for a scooter from XXXX XXXX i gave direct express all the paperwork and emails from her saying that i tried to cancel six times direct express refuse to help me they would not help what due i due just want XXXX bucks back
Product: Checking or savings account

I opened and funded a XXXX XXXX XXXX account at XXXX XXXX part of Axos Bank with XXXX in late XX/XX/2023. Now I am trying to withdraw the money from the account but am unable to do so. According to the directions of the website, there is supposed to be a tab on the dashboard called XXXX money. This tab does not exist on the website or the app. When I called regarding this issue ( XX/XX/2023 ) I was told there should be a tab on the dashboard with this feature. The agent told me she would report the issue and I would receive a message regarding this. When I received no message, I called again ( XX/XX/XXXX ) and was told to wait a while. He refused to transfer me to a manager or supervisor. He was very vague and could only tell me he saw a case was created. No specific time or reason was given for resolution and I am unable to get my money back from this bank. I requested they close my account and mail my money to me but he stated he could not contact that rep but he saw my request. I also tried to attach my XXXX account to XXXX which was successful, but when I requested a transfer of funds, it was rejected. I requested to close my account and was sent no response through their message area on the website. I would like my money returned as soon as possible.
Product: Debt collection

Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I write to express my extreme frustration and disbelief at the continued reporting of inaccurate information on my credit report. This issue pertains to the following account : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$23000.00}. XXXX and XXXX have taken the responsible and legally mandated action by removing this account from their records after acknowledging the error. Despite their compliance with my requests, your bureau persists in reporting inaccurate, erroneous, and unverifiable information. I have attached supporting documents, including a police report filed with XXXX XXXX Police Department under report # XXXX XXXX and XXXX, along with an FTC report bearing report # XXXX. These documents serve as irrefutable proof of the inaccuracies and the fraudulent nature of this account. My confusion deepens as to why your bureau continues to ignore my pleas and neglects to comply with the law. The Fair Credit Reporting Act ( FCRA ) clearly mandates the removal of inaccuracies, especially when they are substantiated with evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital one Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

Hello, in the transfer of my SunTrust auto loan to the new owners truist the process has been a mess for me personally. Ive had several months where multiple payments have been deducted from my account. After attempting to contact truist on several occasions Im left with no help. Tonight I told the customer service rep that if I did not get the help I needed on this call that I would file a complaint. He said he was transferring me and instead put me back in the system Ivr greeting.

Im completely frustrated and have asked them for their help canceling the auto payments set up so that I can make my own payments, at my own discretion. By the way, I do not owe a payment on my account until XXXX of 2023. 

One of the reps walked me through canceling my auto payments tonight but after logging back in they are still showing up as scheduled. Its very frustrating because they tell me to give it 24 hours for the account to adjust. Theyve told me this the last two times I tried the same process with them to no avail. I get busy and I just expect them to do what I ask them to do. Tonight I asked them how do I remove the bank info they have stored on file and I was ignored like what i was asking them was someone trying to run out on their bills. Again, I have good credit and I am ahead of my next payment until the spring time in most places. 

Id very much like to complain about their transparency in this ordeal. Its been less than pleasant for my family to have to shell out two years payments a month for several months this year.

Lastly, their website allows you to edit the series, delete series. Only one function works and that is editing. You can not delete the series at all.