23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX continues to report debt on an account that is not mine and a result of identity theft.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Si
nce you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. Capital One refuse to remove the debt is still owed and also show account as charge off. Capital One has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXXXXXX Capital One is still reporting the same information to my credit report. On or around XXXX XXXXXXXX XXXX I sent Capital One by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX, XXXX to settel the matter Capital One Auto did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX XXXX. See Attachment
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 I requested a balance transfer involving Citizens Bank. On XX/XX/2022, Citizens approved my request for a balance transfer but unfortunately sent the funds to an account that does not belong to me. On XX/XX/2022, I informed Citizens that a mistake had been made and that money had been transferred to an account that does not belong to me. During that call I was informed that the issue would be resolved in 3 to 5 business days. Despite numerous phone calls to Citizens, the issue has not been resolved. In late XX/XX/2022, I received a bill from Citizens informing me that I owed the bank the money that I had requested in the balance transfer. I reached out to Citizens on multiple occasions concerning this matter, and, to date, the transfer of funds never reached me. I am disputing that Citizens is requesting payments for money that I never received.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Incorrect Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove on my report
Product: Credit card or prepaid card

Good Morning ; PLEASE HELP!!!! - I need some advance help with this because i been trying to resolve this for like 3-4 months now and I just keep getting run around. As I had mentioned in several of my previous letters, I'm disputing the accuracy, completeness, and validation of this particular account that caught me by surprise. A couple of months ago when I was looking through my credit I noticed a BoA Credit Card with a high balance of {$1700.00}, and immediately I started to dispute because each bureau are reporting different information. How is it possible that same account can be reported completely different among all the 3 major credit bureaus ... such as different date of last activity, date last payment, date opened, high balance, account number, etc. How is that remotely possible? I thought FCRA promotes 100 % fairness, accuracy, timely, and verifiable. And also, by looking at the way it's reporting, it looks like that the account is getting re-aged every year by the company of credit reporting agencies. Is that legal? But to get a kickoff, every time I disputed through the credit bureaus, I'm getting these template responses that just say verified as accurate and updated? What exactly did they update? And mostly, how can they say that they verified this as Accurate? Impossible - look at the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. I have reached out before you cfpb and to the companies and have gotten nowhere. this shouldnt be like this. I have sent in my police reports and cfpb you guys are suppose to be here to make sure that these companies are within their guidelines. you have failed to do so. I want these accounts off my profile immediately.
Product: Checking or savings account

Used my debit card at a local XXXXXX/XX/XXXXand within the same day my card was used to pull out money from a non chase atm. This has happened before and the bank has not helped me on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX XXXX  from Physicians & Dentists Credit Bureau contacted my husband XXXX XXXX about a debt from XXXX owed to XXXX XXXX XXXX, my former XXXX  of 5 years. During my time under XXXX XXXX care my Mom paid any portion of my bill that was not covered. In XXXX she abruptly stopped paying the bill but did not tell me, nor did XXXX XXXX. He continued to allow me to see him while I racked up about {$3000.00} in unpaid bills. Furthermore, I never heard anything about the balance owed after I stopped seeing XXXX XXXX. I assumed he decided to write it off because it was unethical of him to allow me to go into debt with him as he knew I could not pay. When XXXX called my husband on XX/XX/XXXX he requested a copy of the bill. Not until XX/XX/XXXX did she mail us anything. I called her yesterday and she lied to me telling me she had been calling my husbands phone number attempting to collect on this debt for the last 4 years. I married XXXX in XX/XX/XXXX. She lied. She also hung up on me.
Product: Credit card

Open In account XXXX account was closed XX/XX/2018 not only they charge off my account and they keep on reporting it as late payment each month and I never received at 1099-C for the charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my information hacked in the Equifax Breach. 

Dosnt is sound insane to anyone that I have now pay money to freeze my credit ( with all three agencies because just doing it for XXXX is useless ) out of my own pocket to stop the damage this is causing? There are between $ XXXX {$10.00} for put a freeze at each agency, but I to repay that everytime I want ot unfreeze and refreeze. KEEP IN MIND I HAVE NOTHING TO DO WITH EQUIFAX. I DO NOT DIRECTLY USE THEIR SERVICES, THEY JUST XXXX UP EVERY PEICE OF INFOMRATION ABOUT EVERYONE AND NOW THEYVE LOST IT. 

I fail to see how this is anythnig related to me, yet now I am having to pay for their mistake. 

fix this please
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, I was sold a heating system and the vendor ( XXXX XXXX XXXX XXXX ) offered Synchrony as an interest free loan for part of the payment. I was told if I made the minimum payment of {$310.00} per month and did not miss a payment that these would go against principal and the interest would not be charged. I added auto withdrawal from my bank account so Synchrony would pull the payments monthly and I would not miss one. I received email statements/alerts when I first joined but see that those were discontinued in XXXX of XXXX. I received an email XX/XX/XXXX from Synchrony that my balance was {$11000.00} which was alarming knowing that I had paid {$310.00} per month for 29 months or {$8900.00} ( I have continued to pay {$310.00} per month hoping this will be resolved ). During XXXX of XXXX, my " promotional '' period which I was not aware of expired and {$5300.00} was charged in interest to my balance. I was not aware that this was being done because I was not receiving paper or electronic statements. There would be absolutely no reason I would not have paid this off had I been notified. Not only was this amount added but I have been charged interest each month on the outstanding balance at 27 %. I began receiving statements from Synchrony in XXXX of XXXX which is when I began contacting them. I have been told that they would not provide any proof that they sent me statements. My balance is currently about where I began so years of payment for nothing. I would like the interest charges refunded which would be the {$5300.00} plus the monthly charges since XXXX of XXXX. I have continued to pay in good faith and this has been very frustrating and time consuming. Thank you
Product: Mortgage

XX/XX/XXXX, I purchased a condo at XXXX XXXX XXXX XXXX, XXXX. After six months of living in the building, the developer had sold the remaining units and relinquished control of the building to the HOA. I did n't know this at the time, but the original lender, XXXX based in XXXX XXXX, Florida had falsified loan documents for many of the residents that purchased condos. Many of the new condo owners did n't even have jobs. So when it came time to pay the monthly HOA fees, only about XXXX % of the building 's residents were paying. By XX/XX/XXXX, the HOA had no money to maintain the building, and things started to get ugly. Elevators broke, vandalism ensued, trash was n't being collected and electricity was being turned off. It was at this point that I fled my condo and moved into an apartment. Two months later XX/XX/XXXX, the City of XXXX - for the first time in the history of the city - came in and condemned the building while occupants were still living in it. All units and building entrances were boarded up and the building has been in that state since then. I note that to this day, the City of XXXX has not given me anything in writing regarding the condemnation. When I went to the Dept of Unsafe Buildings XX/XX/XXXX at XXXX City Hall, I was told that they did n't condemn the building! Not sure who did, but this is what I 've had to work with. 
My original loan with XXXX XXXX Mortgage, who was also charged with fraud in a number of other projects they did ( XXXX ) was sold to XXXX, which eventually became XXXX XXXX XXXX . XXXX XXXX XXXX held the note on my condo for six years and although I repeatedly tried to enter into a deed-in-lieu of foreclosure process, the bank was unwilling to assist. XX/XX/XXXX, XXXX XXXX XXXX sold my note to Carrington Mortgage Services, which then tried to foreclose on me XX/XX/XXXX. For some reason, the foreclosure was thrown out by the judge in court, so the process went to a standstill yet again. 
It is now XX/XX/XXXX. I have been trying to foreclose or do a deed-in-lieu of foreclosure for NINE years. This process has caused immeasurable amounts of XXXX, has all but destroyed my credit, and has made it impossible for me to buy a home. While I have tried repeatedly to work with Carrington Mortgage Services regarding a deed-in-lieu, they continue to be unhelpful and uninformed. They call me every other week to ask when I am going to pay my debt. They mail me bills every other week as well. I can not pay off a mortgage that is tied to condemned asset as it can not be lived in, rented or sold. I am desperate for help and no longer know where to turn. Please assist if you are able.
Product: Checking or savings account

I received emails on XX/XX/XXXX regarding an online XXXX XXXX XXXX XXXX account was opened in my name with Bank of America I tried calling for 2 days to no avail. finally called a bank location on XXXX XXXX in XXXX Ma. Was given an appt to come in on XX/XX/XXXX. During my appt with XXXX we entered my ss # and nothing came up.He tried calling their fraud division couldn't get thru. I called when I got home agreed to a call back. When they called back call was disconnected and they never tried me back. Now Saturday XX/XX/XXXX I received a letter from the bank with the entire account #. I went to the bank today XX/XX/XXXX spoke with XXXX XXXX and her mgr. my ss # now is attached to this account we discovered the email and phone # they attached to this account neither are mine. My email address is XXXX and my phone # is XXXX. The email and ph # on the account is XXXX ph # is XXXX. I do have a call into Bank of america fraud division ... ..again. The branch told me because it was opened on line they can not close it. I am also calling Social Security office to flag my ss #.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a wire transfer of {$10000.00} after the wire transfer fee to my coinbase account on XX/XX/XXXX, XXXX the money was made available to me same day, i tried withdrawing the money to another wallet address same day, i was sending the balance of {$4000.00} when they put a hold on the withdrawal, it was meant to last for XXXX days and at the time they wanted me to verify my id if i wouldn't want to take that long to wait on the withdrawal and at that time, I haven't gotten my ID even after i applied for XXXX as my previous ID was missing, i had to wait for them to mail my ID to my mailbox, it was taking so long so i decided to use the picture of my ID on my other phone so i took a snap of the picture of my ID on my other phone and sent to coinbase to initiate the withdrawal on XX/XX/2024 and next thing is my coinbase account was blocked, I called them and explained to them, they said my money in there was safe and i should contact them when i get my physical ID. On XX/XX/XXXX, I got my id in the mail and i called coinbase support and when i did i sent them all the documents they requested for verification ... ..and its over XXXX months and not a feedback from them and i cant sign in to my coinbase account either, they told me they will send an email to me after review and when I try to call them or reach out to them, they tell me to stop contacting customer support as it will delay my account review, its just so frustrating and aggravating and up till date, I haven't gotten a feedback or whatsoever in regards to that ... .I sent them messages on social media and I got the case number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FUNDING Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

On XX/XX/2023 I received an overdraft of {$34.00} from Huntington Bank. The day prior I received another overdraft amount of {$25.00} and some change. This is the fourth time that Huntington Bank has made me pay the fees in which I have had ample amounts of money in my checking account. I have no overdraft turned on so I dont understand how am I being overdraft from my account. In the past when I have made this complaint to Huntington Bank, they have made no effort in explaining the reason for overdraft and I am left with paying money back money that is actually mine because of transferring fro lm my savings account to my checking account to pay bills and etc. Upon reviewing the overdraft and having to pay the fees back I believe I am being fraudulently charged without proper reasoning from Huntington Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove the accounts and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit card or prepaid card

I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.
Product: Checking or savings account

XXXX XXXX, XXXX and Capital One I paid off my account and they are still charging me. And won't show or give me any information on my account.
Product: Checking or savings account

Chime offers features on your checking and credit builder account that allows money to be moved automatically. On XX/XX/year> I received a deposit of {$70.00} that was transferred to my Credit builder account on XX/XX/XXXX. I access my Chime features and XXXX all functions that will allow transfers to take place automatically on XX/XX/XXXX I received another deposit of {$70.00}. That deposit was also transferred to my Credit builder account. The funds should not have been transferred because again the features were XXXX on XX/XX/XXXX. I receive XXXX more deposits on XX/XX/XXXX XXXX of {$200.00} and another of XXXX both of those were deposits were also moved even with the features XXXX. Wow a portion of the deposits received on XX/XX/XXXX were removed to cover a balance on a previous advance. Money was still moved into the credit builder account even with the features XXXX the company has yet to provide any information on why the funds are being moved with features still being turned off and nothing and the terms and conditions state that even with a negative balance that my funds will be moved, even with the features are turned off.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX 4. List of inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.